Ethos Features

Ethos really focuses on a few key features that make getting life insurance more accessible and less stressful.

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Types of Policies Offered

Ethos primarily offers two main types of life insurance:

• Term Life Insurance: This is coverage for a specific period, usually 10, 15, 20, or 30 years. If you pass away during that term, your beneficiaries receive a payout. Ethos offers term life policies ranging from $20,000 to $3 million in coverage for people aged 20 to 65 (not available in New York).
• Whole Life Insurance: This is a permanent policy designed to cover you for your entire life. Ethos’s whole life policies are geared towards older adults, specifically those aged 66 to 85, and they offer guaranteed approval regardless of your health history. Coverage amounts for whole life policies typically range from $1,000 to $30,000. Accidental deaths are covered immediately, while other death benefits kick in within two to three years depending on eligibility and state rules.

Free Will & Estate Planning Tools

This is a really thoughtful perk! If you purchase an eligible life insurance policy through Ethos, they’ll often throw in free access to their will and estate planning tools. Even if you don’t buy a policy, you can still get a will online through them for a fee. This can be a huge help in getting your financial affairs in order and ensuring your loved ones are taken care of.

High-Level Quotes and Transparency

One thing I appreciate about Ethos is how quickly you can get a high-level quote. You don’t have to give out all your contact information just to see what your potential rates might look like. They aim for their initial quotes to be pretty accurate, so you’re not hit with big surprises later in the application process.

Read more about Ethos Review:
What is Ethos? (And What It Isn’t)
Ethos Life Insurance Review & First Look

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