Ethos provides various life insurance policies, such as term and whole life. Their website boasts that they can deliver quotes within ten minutes.
This company boasts excellent customer reviews and low complaints. Furthermore, they employ an expansive network of independent agents who sell their policies.
Term life
Ethos provides term life insurance policies tailored to meet the individual coverage needs of its customers. They offer both simplified issue and fully underwritten policies with premiums based on age, health and other factors. In addition, riders are available, while an online life insurance calculator helps estimate coverage needs based on financial goals and family situations. Their agents are available by phone, email and live chat on their website so you can choose a policy best suited to you.
This relatively new company uses big data analytics to underwrite life insurance policies. They use information from your credit report, motor vehicle records and family medical history among 300,000 other data points to assess your application for coverage. Despite being relatively new, customer reviews for the company are positive with many customers applauding its fast online application process and strong financial strength ratings from Legal & General America, Ameritas Life Insurance Corporation and AAA Life Insurance Company supporting them as backing insurers.
Whole life
Ethos offers whole life insurance policies that provide a death benefit if you pass away during any point during the policy term, regardless of age or health status. They also have a critical illness rider which allows a portion of this death benefit to be released if certain diseases arise while still living.
The company offers an easy online application process that is quick and painless; their intuitive user interface makes obtaining quotes quick and painless. Just answer basic questions about your financial dependents, health and lifestyle habits as well as whether or not you smoke. Furthermore, riders such as children’s term rider and endowment benefit rider may also be added as options.
Ethos Life Insurance Agency and Third-Party Administrator is a life insurance agent and third-party administrator that works with top carriers like Ameritas, Mutual of Omaha, and TruStage. Its simplified process eliminates the need for medical exams by using predictive analytics to quickly evaluate risk; you can be approved almost instantaneously. Their policies boast strong customer reviews from independent review organizations as proof of legitimacy.
No medical exam
Ethos Life Insurance Company provides online life insurance without requiring medical exams, using big data, health questionnaires and an easy application process to apply. Their application offers 10-, 20- and 30-year term policies in addition to whole life coverage options.
Our company’s accelerated underwriting process makes it possible to secure coverage of up to $1 million within minutes, using third-party information such as your motor vehicle records, family medical history and prescription drug use to assess health risk.
Although no medical exam will be required in the future, this doesn’t guarantee it. If the company feels you don’t fit its no-exam policy, they may contact you to schedule one; otherwise it should usually be straightforward and unobtrusive. In case of preexisting conditions it is essential that these are disclosed upfront to enable an insurer to accurately assess your health status and set an appropriate premium price.
No exam required
Ethos doesn’t typically require customers to undergo a medical exam, saving both time and money. Their application process is also quick, taking only about ten minutes; customers simply provide basic information like their age and health status for quotes and coverage decisions.
This company specializes in term life and whole life policies with both death benefits and cash value accumulation features, available across 49 states except New York. They use predictive analytics to assess applicants’ risks and eligibility for coverage; depending on these results, some may be required to undergo full underwriting with a medical exam process before approval is given for coverage.
Our company provides competitive rates with no cancellation fees and offers a 30-day free-look period with no cancellation fees. Policies are underwritten by established insurers who boast strong financials and low volumes of consumer complaints; in addition, third-party data such as motor vehicle records or prescription drug usage helps calculate applicant eligibility.
Coverage for children
A 20-year policy is an affordable solution to protect their family’s financial future. Premiums typically begin at less than $39 monthly for up to $1.5 million of coverage – providing coverage for living expenses, debt repayment, mortgage payments and education expenses among others. Eligible Ethos policyholders also enjoy complimentary estate planning services to pass assets along or designate guardians for children while protecting themselves and their loved ones.
The company utilizes predictive analytics and artificial intelligence to streamline the application process for life insurance applicants. Their online platform enables applicants to answer just a few health and lifestyle questions before receiving an answer in minutes – much faster than traditional life insurance applications.
Ethos provides instant issue policies as well as permanent life insurance products with endowment benefit riders that allow policyholders to receive cash back after a set number of years; critically ill riders and return of premium riders may also be available.
