Ethos Life Insurance
Digital-first life insurance with a 10-minute application, instant decisions, and no medical exam for most applicants aged 20–65.
Key Features
- 10-minute application
- No medical exam for most
- Instant decision online
- Coverage from $20K to $1.5M
- Backed by A-rated carriers
Why seniors love it
Seniors under 65 wanting fast coverage; seniors 66–85 needing guaranteed-issue coverage.
Worth knowing
Guaranteed issue coverage is capped at $30,000 — may not be enough for those with significant debt.
Our Take
Ethos has reimagined life insurance as a simple, transparent online process. Most applicants aged 20–65 receive an instant decision with no medical exam. Seniors aged 66–85 can apply for guaranteed-issue whole life policies up to $30,000.
Policies are underwritten by established carriers including TIL (Texas Life) and Legal & General America, providing financial stability behind the modern interface.
Frequently Asked Questions
Term life: up to age 65. Guaranteed whole life: up to age 85.
Guaranteed issue policies have a 2-year graded benefit period for natural causes.
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Browse Life & Final Expense InsuranceInformation last verified: 2025-01-01.