Ethos - Reviewed & Compared

Summary

Ethos is a leading provider of final expense life insurance, offering guaranteed acceptance policies without requiring medical exams. With instant rates and same-day coverage, Ethos aims to make securing life insurance quick, easy, and accessible, especially for those with pre-existing health conditions.

Company Overview

Ethos provides final expense life insurance with coverage amounts ranging from $5,000 to $100,000. It can be a great fit for individuals ages 55 to 75 across the US, excluding NY, CT, and WA. Ethos boasts an A+ rating from the Better Business Bureau and a 4.8/5 stars rating on Trustpilot, making it a reliable and trustworthy provider for your Final Expense needs.

What Ethos Does Best

Ethos has the “online” vibe down pat. This is a company that really understands today’s busy consumers. They offer both low cost whole and term life policies, and do such online, but that’s perfect for their intended audience.

Ethos excels in providing an effortless and swift application process for final expense life insurance. They stand out with their guaranteed issue policies that require no medical exams, and by answering only a few health questions, you could be approved today. Coverage can be obtained in less than 10 minutes, either online or by phone. Ethos offers competitive pricing that remains constant throughout the policy term. Flexible coverage options range between $2,000 and $100,000, with the money usable for any purpose. They provide peace of mind with guaranteed approval, even for individuals with pre-existing conditions, ensuring protection from funeral costs, healthcare bills, mortgages, and debts.

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

Any Negatives?

While Ethos offers a comprehensive and user-friendly service, it's worth noting that their policies are not available in NY, CT, and WA. Also, in the first two to three years, the death benefit is limited to the premiums paid.

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

Our Final Verdict: 9.9/10

Ethos is a top choice for those seeking final expense life insurance with minimal hassle. Their guaranteed acceptance, no medical exam requirement, and instant coverage make them a standout option, particularly for older adults and those with health conditions. With a 30-day money-back guarantee and high ratings from the BBB and Trustpilot, Ethos provides both reliability and peace of mind. If you’re looking for a straightforward, affordable way to secure your family’s future, Ethos is a strong contender.

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