Ethos Life Insurance

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The traditional process could take weeks to complete—and that’s just the application. It could involve confusing paperwork and long phone calls with agents. At the end of the day, it wasn’t as people-friendly as it could be.

We set out to change that.

Ethos has redesigned the application process from start to finish, to make sure you always come first. How? By offering flexible coverage options, eliminating unnecessary hassles, giving you access to valuable online tools, and having a team of licensed agents ready to help you through it all.

We’re here to put you first.

Our founders, Peter Colis and Lingke Wang, started Ethos in 2016 with the goal of making life insurance affordable, accessible, and straightforward. The inspiration for Ethos stemmed from a negative experience with traditional life insurance. While Lingke was in college, he was upsold on an expensive life insurance policy he didn’t need and couldn’t afford. The pair eventually realized that Lingke’s experience wasn’t unique. Many Americans don’t know enough about life insurance, or have the right coverage for their families.

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Life insurance that puts you first

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We do term life insurance differently. Fast, straightforward application

Our 100% online and hassle-free process makes it easy to apply. What traditionally took weeks can now be done in minutes, so you can focus on what matters. Most applicants don’t even need a medical exam. Expert advice

If you want help, our team of licensed agents is dedicated to finding you the right term life policy for you. Flexible, affordable options

Ethos offers a wide range of coverage options, so you can design a policy that gives you the financial support you want at a price that works for you. Price-lock guarantee

Every term life insurance policy we offer includes level premiums, which means that during your term, your premiums won’t become more expensive as your age or if your health changes. Money-back guarantee

If you’re not happy with your policy in the first 30 days for any reason, we’ll refund your payment in full. No problem.Cancel anytime

You can cancel your policy anytime, with no cancellation fees.

High ratings

Ethos is rated A+ by the Better Business Bureau (BBB) with zero customer complaints. The BBB is a non-profit organization dedicated to promoting marketplace trust. Ethos also has an ‘Excellent’ rating from Trustpilot with 4.5 stars from customer reviews.

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