Ethos Life Insurance Review

I'm Donny. I'm a world traveler, investor, entrepreneur, and online marketing aficionado who has a big appetite to compete and disrupt big markets. I thrive on being able to create things that impact change, difficult challenges, and being able to add value in negative situations.

Ethos Life Insurance connects you with a life insurance carrier using a streamlined process that is quick, simple, and fast. Ethos offers both term life insurance and whole life insurance for seniors.

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Our Partner

Life Insurance


  • Get an estimate in minutes
  • No medical exams
  • Same-day coverage
  • Affordable policies
Overall Rating

Best No Medical Exam Life Insurance

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Key Takeaways

  • Same day coverage available
  • Helpful agents
  • Term life insurance and whole life insurance offered 

Pros & Cons

Benefits and disadvantages come with any insurance plan. Choosing the correct one for you and your family can be challenging. We’ll break down the pros and cons before starting our Ethos Life Insurance review. 


  • Online application
  • No medical exams 
  • Honest advice. No up-selling
  • Affordable policies


  • No customizable riders
  • Limited options

Talking about death is an uncomfortable experience for most people. Unfortunately, it’s a conversation that needs to be had.  No one wants to leave behind a burden for their loved ones.

A life insurance policy can cover the costs of burial or provide benefits for your family in the event of a tragedy.  Have you thought about what would happen to your family if you died unexpectedly? 

Maybe you already have life insurance, but aren’t sure if you have the right policy. We’ll discuss the policy types available so you can make an informed decision. 

This Ethos Life Insurance review will discuss the options and advantages of using Ethos for life insurance.

Ethos Life icon

Quick Summary

Policies: Term and Whole Life Insurance

Rates: depends on lifestyle factors

Promotion: No current promotions

About Ethos Life

Ethos Life was founded in 2016 with speed and ease in mind. Co-founders Peter Colis and Lingke Wang sought to remove the frustration many people experience when searching for life insurance. 

Lingke Wang learned this frustration first-hand. While in college, an agent who cared more about making money than meeting his needs upsold Wang on life insurance.

He paid for unneeded coverage and suffered a financial loss because of it.  This is not the case at Ethos. The insurance agents working at Ethos Life don’t make a commission.

No one will try to upsell you or rope you into unnecessary purchases.  The company’s beginnings are rooted in making the process easy for the customer, including bringing the life insurance process online.  

Today Ethos is known for speedy policies with an online system designed to work with people instead of against them.

Policies & Plans

Ethos Life offers two types of policies: Term Life Insurance and Whole Life Insurance.  Term life insurance covers a set period. You will pay for the amount of coverage you need. 

Ethos offers this coverage to customers ages 20-65. Policies range from $20,000 to $2 million.  You may want to hold a term life insurance policy while your dependent children are still underage.

The length of the term is custom to meet your needs.  Whole life insurance covers customers ages 66-85. This type of coverage lasts your lifetime and locks in your premium price.

Coverage for these policies caps out at $30,000.  Whole life insurance benefits seniors looking to secure funding for end-of-life expenses. 


Ethos Life has competitive rates based on your policy, health, occupation, hobbies, and other factors. In general, women receive lower rates than men. Your age may also increase your rates. 

The cost of life insurance is calculated by measuring mortality and interest. A higher chance of mortality means higher rates. Interest is also a factor.

Insurance companies reinvest the premiums you pay each month to earn interest. People with statistically lower mortality rates will make more money in interest for their insurance company and pay lower rates. 

Insurance companies compare your mortality with the interest your plan would generate. Generated income pays out policies as well as business expenses.

Great news, if you’ve gotten this far into our review, you’ve probably spent more time reading than it will take you to request a quote at Ethos.

You can get a quick quote to estimate what your rates will be. 

Who is Ethos Life Best For?

Selecting Ethos for your life insurance opens up the possibility of getting insured the same day, so if you’re looking for a standard plan that can be put in place quickly, Ethos is a good fit. 

Ethos Life Insurance prides itself on the ease of getting life insurance coverage quickly. Completing the application online is easy and fast, so it’s an excellent option for those who don’t have a lot of time to spare. 

Most people don't even need to take a medical exam to get coverage. If the underwriter requires additional information about your health, they may ask for an exam.

If you’re in good health looking for a simple way to get a policy, Ethos can get you covered fast.  Ethos Life works together with another company called ExamOne

If you need an exam before being approved for a policy, it is a quick process, and it’s free. Even when an exam is necessary, Ethos’ approval time will take days rather than weeks like some insurance providers. 

There are options at Ethos for everyone, but it’s one of the best options for those in need of a policy fast. Most people are approved with no medical exam, and the process was designed to be fast and straightforward.

Compare to Other Companies

Policygenius logo
  • Offering: Insurance quotes
  • Fee: Free to use
  • Promotion: No current promotions
Haven Life
Haven Life logo
  • Offering: Term Life
  • Rates: as low as $8 per month
  • Promotion: No current promotions
fabric insurance logo
  • Offering: Term Life
  • Rates: as low as $10 per month
  • Promotion: No current promotions

Ethos Life FAQ's

Now that we’ve covered the basics let’s look at your frequently asked questions. Some questions may have already been answered in this Ethos Life insurance review, but we'll break down each question.

Is Ethos Life a legit company?

Yes! Ethos Life is a legit company. Founded in 2016, Ethos sought to ease the life insurance process. They are a legitimate company with a Better Business Bureau rating of A+.

How does Ethos Life make money?

Ethos Life makes money the same way most insurance companies do. Your monthly premium helps pay out other people’s life insurance, but usually, the company will take in more money than it pays out.

The excess money is invested, enabling insurance companies to increase their profits.

Do you need a medical exam with Ethos Life?

No medical exams or blood draws are required with this life insurance plan for many people. However, you will be asked some questions about your health during the enrollment process. 

Some applicants will need a medical exam as determined by the underwriter of your policy.

Can you get life insurance 100% online?

It is possible with Ethos Life to get insurance 100% online, with no medical exam. Many people are approved instantly.

Should I Use Ethos Life?

Many people have an assumption that they are too young to have life insurance. If you’re not a senior searching for a whole life insurance plan, why should you get covered? 

With the cost of childcare rising, many families opt to have one parent stay home with the kids. For some families, this actually saves more money than both parents working.

If the earner in the family were to pass away, the stay-at-home parent would now have to cover the cost of living and childcare. This would be an extreme financial burden for someone grieving a loss. 

Consider the impact on your family an unexpected death could cause. Would they be taken care of in the event of your passing?

With a term life insurance policy from Ethos Life, you’ll have options and know that your family will be taken care of in case of the worst. 

Ethos Life

Ethos Life is on a mission is to protect the next million families and they intend to do just that with an honest and transparent insurance process. 

Ethos Life icon

I'm Donny. I'm a world traveler, investor, entrepreneur, and online marketing aficionado who has a big appetite to compete and disrupt big markets. I thrive on being able to create things that impact change, difficult challenges, and being able to add value in negative situations.

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