Ethos offers an easy, straightforward, and cost-effective alternative to traditional life insurance policies. Customers can apply online and are approved often within hours or even instantaneously.
Applying is simple – applicants just answer standard questions about their age, financial dependents and health to receive an instantaneous decision. There’s no medical exam necessary and term and whole life policies can cover ages 20-85 with instant coverage options.
No Medical Exams
Ethos provides term and whole life insurance policies without medical exams for easy purchasing. Get a customized online quote quickly, purchase coverage quickly, and change or cancel it within 30 days should your mind change.
The company can avoid medical exams altogether by employing predictive analytics and other algorithms to underwrite applicants in real-time, eliminating the need to send them for tests and wait weeks for results – making the process faster and more convenient than traditional life insurers.
Ethos offers not only no-exam life insurance policies but also guaranteed issue whole life policies with generous death benefits that don’t discriminate based on health conditions. Choose from terms of 10, 15 20 30 years with coverage up to $2 million available with this plan. Additionally, their digital-first company also provides additional whole life policies for people aged 66-85 years old.
Ethos does not write its own policies, but works with top-rated insurers like Ameritas and Mutual of Omaha to offer customers various coverage options. Their online application uses data points such as prescription drug use, electronic medical records, driving history history and credit scores to underwrite applicants without medical exams – plus there is also an assistance team on hand that can answer questions and assist with application procedures.
Instant Coverage Confirmation
Ethos Life Insurance is a new company that provides life insurance without the need for medical exams, offering policies up to $1 Million with easy online applications. They make an ideal solution for individuals looking for faster approval times than traditional life insurers.
Ethos Life Insurance can be an ideal option for no medical exams life insurance policies; however, its limitations should be carefully considered before making your choice. As with all life insurance providers, comparing quotes from multiple providers such as Bestow and Ladder Life can ensure you receive the lowest premium possible.
Ethos may offer less competitive rates if there are minor discrepancies with your prescriptions from past illnesses or electronic medical records, or information found during driving history checks. Furthermore, their whole life policies only go up to age 66 making this not an ideal solution for anyone seeking life insurance beyond this age threshold.
Legal & General America, Ameritas and TruStage – three leading insurers known for having strong financials and low customer complaints – all partner with this company to offer an easy, quick and hassle-free application process for their policies.
No Policy Fees
Ethos makes life insurance easy by eliminating obstacles like medical exams, blood tests and waiting weeks for approval. Our fast online application and approval process has no adverse impact on your credit score, while optional riders such as children protection and critical illness coverage can be added directly onto your policy. Plus we make it simple and seamless to convert term policies to whole life coverage at the end of their term!
Although Ethos isn’t itself an insurer, it partners with established and renowned providers who have years of experience writing life policies. Utilizing predictive modeling and technology to streamline its underwriting process, Ethos leaves underwriting decisions to companies with strong financial standings and low consumer complaints – for example Legal & General America and Ameritas both of which hold A ratings from AM Best with millions paid out in claims payouts since inception.
Ethos offers quick and efficient underwriting as well as a 30-day free look period and money-back guarantee on its life insurance policies, earning it an A+ rating with the Better Business Bureau and no customer complaints. While its term life policies offer higher death benefit limits than others we analyzed, their unique accelerated benefits rider allows access to part of your death benefits while you’re still alive.
Personalized Support
Ethos offers term and whole life insurance policies that can be purchased, applied for, administered and purchased all online. Unlike traditional insurers, Ethos doesn’t require an exam to assess your health but instead uses data sources like your motor vehicle record, electronic medical records, current drug prescriptions to quickly process applications – providing faster approval rates with more accurate rates.
In cases where your circumstances are more complex, an underwriter may reach out for additional details; even then, coverage should still be approved within days. Ethos partners with insurers renowned for their financial stability and strong ratings to guarantee that your policy remains safe.
Term life insurance plans feature flexible coverage durations while whole life policies offer lifelong protection. Both policies are available to those aged 20-85. Ethos’ online application makes applying easy while their personalized support and helpful resources offer additional help and assistance on their website.
Ethos life insurance policies offer convenient application processes and no-exam policy options to meet the needs of today’s busy families. If you are unsatisfied with their coverage within 30 days, cancellation can be done to receive a full refund.
