Rating: 9.1 / 10 (Excellent)
Disclosure: We receive advertising revenue from this partner. Learn more.
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.

How is Ethos rated?


Financial Strength
Customer Experience

Overall Rating: 9.1 / 10 (Excellent)

With a focus on making life insurance hassle-free, Ethos provides flexible policies for a low monthly price. A series of riders enables customers to build a policy to suit their needs. Their entire application process is done on the web. The process is fast in comparison to more traditional providers, which makes it perfect for those with little time on their hands. Although the company is relatively new, Ethos is underwritten by the Assurity Life Insurance Company, a carrier with more than 120 years of experience.

Financial Strength

Key Details

Assurity Life Insurance Company
Marketshare 2016
Premiums Written 2016
AM Best Financial Rating

Financial Strength - 9.5 / 10

As mentioned above, Ethos is underwritten by Assurity Life Insurance Company, which has over 120 years of experience. Assurity enjoys an A- rating from A.M. Best, which indicates an excellent outlook in the future in terms of creditworthiness and claims paying ability.
*The above information reflects the financial strength of the underwriter of the Ethos life insurance policies: Assurity Life Insurance Company.

Reputation & Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio 2016
NAIC Total Complaints 2016
*The NAIC complaint ratio (in this case 0.23) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

Date Collected

Customer Experience - 8.7 / 10

Since they are still a small company, Ethos is able to focus on its customers' experience. If you pass away, they will help your family through the process of claiming your death benefit, and they say most claims are paid within 10 days. It's also very easy to sign up for a policy with them: the whole process is completed online, and most people aren't required to have a medical exam to qualify. (Figures reflect Assurity.)

Ethos Policies

Ethos offers customers the following life insurance policies: Term. Because we feel that Term Life insurance is a superior choice for most customers, we've focused our review on the Ethos Term Life policy.

Term Life Insurance

Minimum Age
Maximum Age
Minimum Death Benefit
Maximum Death Benefit
Available Terms
10 year
15 year
20 year
30 year

Key Term Policy Features

  • Term-Permanent Conversions
  • Guaranteed Level Premiums

Policies - 9 / 10

Ethos only offers term policies. Their term life insurance policy options are more or less standard for the industry. Ethos offers products to people between the ages of 18 and 75, with term length options from 10 to 30 years. The death benefit range, however, is extremely wide. Ethos policies can be anywhere from $25,000 to $10 million, giving prospective customers maximum flexibility in determining their coverage amount Their premiums are guaranteed throughout the life of the policy, which means you won't be surprised by a premium increase after you sign up.

Flexibility & Available Riders

Available Riders

  • Critical Illness Rider
  • Child Protection Rider

Flexibility - 9 / 10

Ethos offers a solid list of traditional and non traditional life insurance policy riders. The Critical Illness rider pays out a lump sum if you are diagnosed with invasive cancer or carcinoma. The Child Protection rider covers children up to the age of 25. Ethos also offers an Endowment Benefit rider, which returns a portion of your premiums after a certain time, and a Waiver of Premium rider, which means you are not obligated to pay premiums if you become totally disabled.

Additional Company Information

Homepage URL
Headquarters Address
301 Rhode Island St., San Francisco, CA, 94103
Year Founded

Our Partner
9.1 / 10
  • Instant quote available online
  • No medical exams required for most applicants
  • Short application period
  • Low monthly premiums
  • Claims paid within 10 business days
  • Between $25,000 and $10,000,000 in coverage

Latest Ethos Reviews

Leslie J
Atlanta, Georgia

People at Ethos were Easy to work with! Especially liked the dedicated Josh Clark.