Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Content Writer & Entrepreneur Shuman Roy

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: Jun 29, 2022

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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.

The Truth in a Nutshell

  • Ethos Life Insurance Company was founded in 2016.
  • You can pay as low as $30 per month for Ethos life insurance policies
  • Ethos Life Insurance Company provides age-dependent term and whole life insurance policies

Ethos Life Insurance Company is one of the few companies that’s not listed on the National Association of Insurance Commissioners (NAIC) database.

Our Ethos life insurance review explains everything you need to know about Ethos life insurance quotes, insurance products, why insurance is so expensive, third-party ratings, and much more.

If you’re not confident that you can get affordable Ethos life insurance, use our free comparison tool above to compare multiple companies in your local area.

How much are Ethos life insurance rates?

Ethos life insurance rates depend on factors like age, gender, health, and death benefit. Ethos doesn’t directly offer life insurance. In other words, Ethos is like a “go-between” for other companies and consumers.

However, Ethos lists a few sample rates on its website. Here’s what a 40-year-old policyholder could pay for term life insurance.

Ethos Life Insurance Rates for a 40-Year-Old Policyholder by Policy Length and Death Benefit Amount
Policy Death Benefit Amount10-Year Term Life Average Monthly Rates15-Year Term Life Average Monthly Rates
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Ethos life insurance quotes aren’t guaranteed. Your monthly premiums depend on what company you decide to choose, as well as your age, gender, and medical history. Before you buy Ethos life insurance, be sure to check all your options.

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What policies does Ethos life insurance provide?

Ethos Life provides term life and whole life insurance through six life insurance companies: AAA Life, Banner Life (parent company of William Penn), CMFG Life Insurance Company (a subsidiary of CUNA Mutual Group), Legal & General America, TruStage Life Insurance, and Ameritas.

When you connect to Ethos, an agent will present you with several options. Check out the summary of Ethos life insurance products below.

Ethos Life Insurance Products
Policy TypePolicy Details
Ethos Term Life InsurancePolicy Length: 10, 15, 20, or 30 years
Benefit Amounts: $100,000 to $1.5 million
Policy Ages: 20 to 65 years old
Ethos Whole Life InsurancePolicy Length: Entire life
Benefit Amounts: $10,000, $15,000, $20,000, and $25,000
Policy Ages: 65-85 years old
Ethos Features and RidersAccidental death benefit
Cash value (whole life only)
AAA discounts
Guaranteed renewable
Level premiums
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As Ethos is partnered with many companies, it can connect customers to a variety of policies. This is an opportunity to shop around with the top companies under the same system.

Both TruStage and Banner Life offer life insurance policies that do not require medical exams, but keep in mind that policies with no medical exams required tend to be the most expensive.

If you’re not sure whether you need a whole or term life insurance policy, speaking to an independent insurance agent would be a good idea.

What type of life insurance do you need?

Life Insurance is a type of financial protection that provides cash benefits to the beneficiaries in case an insured person dies. It can be used as a means for providing security and peace of mind, especially for those with families that rely on them.

The most common types of life insurance coverage include term life Insurance, whole life insurance, universal life insurance, and variable life insurance. Retirement solutions like annuities are often grouped with life insurance as well.

The big different between a whole and term policy is that the former offers permanent coverage (for a person’s entire life), while the latter offers coverage for a set period of time. Some term policies can be converted to whole policies.

Universal life policies feature an investment component that allows the policy to accrue cash value based on the performance of the stock market. A universal policy is probably not the most suitable choice for the risk averse.

Does Ethos Life Insurance Company have good insurance reviews?

Ethos Life Insurance Company distributes life insurance as a third-party life provider, and it won’t have direct ratings from rating agencies like A.M. Best, S&P, or Moody’s.

However, we’ve summarized the ratings from its partners. Check out the ratings below.

Ethos Life Insurance Ratings
CompaniesA.M. Best RatingsS&P RatingsFitch Ratings
BannerA+ (Superior)AA- (High Grade)AA- (High Grade)
AAAA (Excellent)N/AN/A
AmeritasA (Excellent)A+ (Upper Medium)A+ (Upper Medium)
CMFGA (Excellent)A+ (Upper Medium)A (Upper Medium)
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Overall, Ethos Life’s partners have stable financial outlooks and low credit risks.

How does the company perform with consumers?

According to the Better Business Bureau, Ethos Technologies Inc. has an excellent rating regarding customer satisfaction. Ethos customer service has a five out of five rating – the best rating at the BBB.

Ethos and its affiliates didn’t make the J.D. Power Life Insurance Study in 2020.

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What is Ethos Life Insurance’s history?

Ethos is a new InsurTech start-up company, which was founded in 2016 as the Ethos Life Insurance Services and Ethos Technologies Inc.

What’s Ethos all about? Ethos analyzes your needs for life insurance connects customers with a policy from companies in the Ethos network that best fits individual consumers’ needs.

How does Ethos life insurance work?

Ethos is available across the United States. However, you’ll be connected to one of Ethos’ partners instead of an Ethos exclusive policy.

We identified Ethos as a third-party insurance provider with six other partners. It’s possible that Ethos Life Insurance Company could acquire more partners in 2021 due to COVID-19 vaccinations.

The life insurance policy you are offered through Ethos will depend on which state you live in, amongst other things. For example, Banner Life Insurance Company products are not available in New York through Ethos.

What are the pros and cons of Ethos life insurance?

We’ve summarized the advantages and disadvantages of Ethos life insurance. Review the highlights below to see how Ethos measures up.

Ethos Life Insurance Pros & Cons
Ethos ProsEthos Cons
100% online applicationFew policy options
Strong financial ratingsShort company history
Good customer satisfactionFew policy riders
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Did we miss anything? It’s all a matter of perspective. Some shoppers prefer to shop for policies, and others tend to let others do it for them. Either way is acceptable.

Ethos Life Insurance: What’s the bottom line?

Ultimately, Ethos doesn’t provide a direct policy for customers, but it can connect you with other companies. For the most part, Ethos’ affiliate companies have reliable financial strength ratings. Also, Ethos has an outstanding BBB customer review rating.

The great thing about life insurance quotes is that you don’t have to buy them because you’ve obtained one.

Why stop at Ethos life insurance quotes? Enter your ZIP code in the free comparison tool below to compare the best companies in your area.