Ethos offers term and whole life insurance that can be applied for and purchased entirely online, using data from third-party sources such as motor vehicle records, medical and prescription drug histories to assess insurability and determine rates.

Though Ethos itself does not provide insurance, it works with insurers rated A or higher by AM Best such as Ameritas, Legal & General America and CMFG Life Insurance Company.

1. No Medical Exam

Ethos Life Insurance has simplified the life insurance application experience by eliminating the need for medical exams. Customers can obtain an instant online quote in minutes by answering just a few simple questions about their health and lifestyle; then select their ideal policy option in terms of coverage amount and term length.

Traditionally, applicants have had to meet with an agent and complete a paper application as well as undergo a lengthy medical exam including blood and urine tests before waiting months for an answer from them.

Ethos boasts an outstanding customer review rating, with many users appreciating its user-friendly online application and upfront pricing structure. Furthermore, their B corporation status proves their commitment to social and environmental responsibility.

Ethos Insurance only provides term life policies; this may present problems for customers seeking coverage beyond their working years due to no permanent life options and their issue age limits that prevent some applicants from getting adequate protection.

2. Streamlined Application

Ethos Life offers an intuitive life insurance application process, enabling customers to apply online in minimal time with minimal commitment required. This translates to reduced premiums since Ethos can access a larger pool of applicants than traditional insurers.

Mass Mutual, the industry leader, uses proprietary technology to assess risk and underwrite policies with their carrier partners. Mass Mutual is widely respected within their field as they have paid out billions in claims payments since their founding.

Ethos’ unique in-house framework eliminates the need for medical examinations or lengthy telephone conversations in order to obtain quotes, using data from vendors such as identity verification, prescription history databases, motor vehicle reports and financial data that assigns you with a risk value (super healthy, good, average or above).

Once they assess your risk, they can recommend an ideal term length and coverage amount based on your unique needs. They even allow riders that provide additional policy benefits like waiver of premium or critical illness coverage – something most digital life insurance providers do not offer.

3. Flexible Coverage Options

Ethos Life Insurance Company stands out as not only fast, easy and cost-effective life insurance provider; they also offer flexible coverage options. Their online application takes just minutes – in many cases no medical exam may even be needed if their algorithm detects potential issues! They offer both term life policies as well as permanent plans – applicants who choose the latter can convert to either plan at any point during their term coverage period.

At ethos, customer service is at the core of their business model. Offering a 30-day free look period and money-back guarantee to ensure their policy meets client requirements is at their heart of operations.

Application process is entirely online and, typically, customers receive an approval decision within one day. They have full control of choosing terms, coverage amounts and monthly prices to fit within their budget; premium payments can then be set up via bank draft or credit card and continue automatically until their term has ended or their policy has been cancelled or replaced.

4. 30-Day Money-Back Guarantee

Ethos Life Insurance Company stands out as a pioneering digital-first life insurer, prioritizing ease-of-use over traditional hassles such as health exams. Their digital approach has earned great reviews on TrustPilot and BBB from customers.

Ethos can provide instant quotes by answering just a few straightforward questions, and will then assist in helping to identify which policy option will best meet the needs of your family and guide through the application process – with most people getting approved instantly! Our online application usually takes 10 minutes to complete.

Ethos’ application asks a few medical questions without necessitating a physical exam, while also ordering your motor vehicle report and credit report for an accurate picture of your life history.

Choose between term policies of up to $2 Million or permanent whole life plans with building cash value that pays out on death. Your beneficiaries can use the death benefit for funeral costs, outstanding debts and future financial goals; or add child riders for added coverage.

5. Flexibility

Ethos offers various policy options designed to meet the needs of your family. For instance, you can add your spouse or partner as additional coverage or select an endowment benefit rider which guarantees back the premiums should you outlive your term of the policy.

Ethos’ online calculator takes into account various factors when calculating how much coverage is necessary, such as your annual income, outstanding debt and future financial goals. Furthermore, their customer service team is available by phone, email or live chat to help find you an insurance policy tailored specifically to your situation.

Ethos Life Insurance Company was created in 2016 by Stanford business school graduates Peter Colis and Lingke Wang with the intention of making life insurance simpler and more accessible. Through technology-aided application processes, most people are approved without medical exams being necessary. Offering both term and whole life policies backed by top insurers like Legal & General America and Mutual of Omaha;