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Founded in 2017 and based in San Fransisco, Ethos is a new figure in the life insurance market. They exclusively offer term life insurance, and focus on making it as easy as possible to get a policy. The entire process is done online and can take as little as ten minutes. For most people, medical exams are not required, which makes it a good choice for folks with busy lifestyles. Ethos is underwritten by Assurity Life Insurance Company.