Ethos - Reviewed & Compared


Ethos is a newer company (backed by a much older one) that specializes in online life insurance, and easy, low cost policies aimed at today’s modern consumer. They have a great website, low rates, and a very easy “non pushy” way of doing things.

The Good

Ethos has the “online” vibe down pat. This is a company that really understand millennials and today’s busy consumers. They specialize, only offering lower cost term life policies, and only do such online, but that’s perfect for their intended audience.

They seem new and hip, and indeed they are, but they are also backed by an industry giants – Assurity Life Insurance Company, who has been around since the 1800’s and RGA, which is rated A+ (Superior) by A.M. Best. That should make everyone feel comfortable.

MORE: What's the Best Life Insurance Policy for You?

The Bad

They only offer term insurance, and only work online, but that’s their target audience too.

What to Expect

  • A really good website that talks “to” you and not over you.
  • Term life amounts that will fit any family’s needs.
  • Fantastic rates that start at under $20 a month.
  • Easy “ten minute” application process with no medical exam necessary for most policies.
  • Backed by an industry giant.
  • Available in all states except NY.
MORE: What's the Best Life Insurance Policy for You?

Our Final Verdict: 0/10

Ethos is a great company for a modern world. Superb “plain English” website, easy online application, and low rates on term life policies.

  • Easy application process and great rates
  • Term policies in all common amounts
  • Love their demeanor and honesty, and being backed by Assurity is comforting