For your application to go quickly and smoothly, it’s a good idea to have the following information handy:
All U.S. citizens ages 20-65 are welcome to apply. Ethos is licensed and operates in every U.S. state and the District of Columbia, excluding the states of Florida and New York.
Absolutely not. You may withdraw from the process at any time, with no penalty to you. Signing and submitting your application just confirms the information you’ve provided is true, and gives us permission to begin underwriting.
Assuming there are no unusual complications, your beneficiary will receive an untaxed, lump-sum payment for the value of the policy (the death benefit). For example, if you purchase $1 million in coverage, your beneficiary will receive an untaxed $1 million lump-sum payout.
A claim may not be paid for several reasons, including fraud, misstatements, or material misrepresentations of the information provided in your application. A claim can also be denied if the death of the insured is the result of suicide in the first two years of the policy being in force. Please refer to the policy or ask us for more information regarding specific details.