Why families trust Ethos

Ethos was founded to bring people a better experience when applying for life insurance. And with billions issued in coverage, we’re doing just that. Ethos follows rigorous privacy practices and partners with the world’s most-respected insurance companies—so you know you’re getting a policy you can count on.
father throwing daughter in the air
How do I know Ethos is legit?
Ethos has earned high ratings from respected third-party reviewers, whose aim is to improve transparency and trust in the marketplace. Here’s a closer look at some of those ratings:
Trustpilot
"Excellent” rating from Trustpilot
Ethos has an ‘Excellent’ rating from Trustpilot with 4.5/5 stars from customer reviews.
BBB
A+ rating from Better Business Bureau
Ethos is rated A+ by the Better Business Bureau (BBB) with zero customer complaints.
Google reviews
4.5/5 stars on Google
Ethos also earned a stellar rating of 4.5 out of 5 stars on Google based on average customer reviews.
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Adjust the coverage amount and term length to find a plan you like. Then apply online (with no obligations) and get your real rate.
The estimated monthly rate for this policy is:
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Coverage amount
$500,000
 
 
 
 
Term length
30 years
 
 
 
 
Please note that all prices quoted are subject to change, including due to underwriting.
How do I know my privacy is protected?

Protecting your privacy always comes first. We know some of the information we collect is sensitive, which is why we only ask for information we need to verify your identity and assess your application. We use thorough privacy and security practices to make sure any information you give is completely safe. And of course, we never sell or use your information for any non-business purposes.

security
How do I know my policy is reliable?

Ethos partners with some of the most respected and highly-rated insurance carriers in the world. As a third-party administrator, Ethos offers policies issued by Legal & General America (est. 1836), which serves 10 million customers worldwide. Policies are reinsured by Munich Re (est. 1880), which is one of the world's leading reinsurers. Together, these insurance giants have paid out hundreds of millions of dollars in life insurance claims and hold an A+ (Superior) rating from A.M. Best.

A+ rating
Financial strength ratings
Comdex score
Comdex score
A Comdex score is a composite of all the financial strength ratings a company has received, ranging from 0-100.
S&P Global
Very Strong S&P Global
S&P has rated the financial strength of insurance companies for over 40 years.
A+ A.M. Best
Superior Rating A.M. Best
A.M. Best provides independent ratings of a life insurance company’s financial strength.
Who are Ethos’ investors?

Ethos is proud to be backed by leading investors, including Sequoia, Accel, GV, Goldman Sachs, and the investment funds of Jay-Z, Will Smith, Kevin Durant, Robert Downey, Jr., and others. They’ve put their money on us, so we can focus on you.

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See what verified customers say on Trustpilot
via Trustpilot
Simple and quick life insurance application.
My experience with Ethos was great. Hassle-free. I have bought several term life policies over the years and the Ethos process was the simplest that I have experienced. Communication was great and the Ethos team kept me informed as my application went through processing.
Texasaggie1
via Trustpilot
Quick, Honest, Stress-Free
Quick, honest, and zero stress. Compared to traditional agents, a no-brainer. As advertised!
Josh
via Trustpilot
Getting life insurance was so easy…
Getting life insurance was so easy through Ethos. I’ve been procrastinating doing it for years because the whole process felt intimidating and confusing. Ethos cut right through all that and made it simple for me.
Laleh H.
via Trustpilot
Simple and quick life insurance application.
My experience with Ethos was great. Hassle-free. I have bought several term life policies over the years and the Ethos process was the simplest that I have experienced. Communication was great and the Ethos team kept me informed as my application went through processing.
Texasaggie1
via Trustpilot
Quick, Honest, Stress-Free
Quick, honest, and zero stress. Compared to traditional agents, a no-brainer. As advertised!
Josh
via Trustpilot
Getting life insurance was so easy…
Getting life insurance was so easy through Ethos. I’ve been procrastinating doing it for years because the whole process felt intimidating and confusing. Ethos cut right through all that and made it simple for me.
Laleh H.
via Trustpilot
The application process was seamless
The application process was seamless. The turnaround time was great. And the monthly premium is more than reasonable. Also the follow-up from direct live agents was a plus.
Bobby
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