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Life Products

Ethos’s online application process can take just
minutes to complete. Most applicants are approved
without a medical exam or a doctor’s visit and can get
coverage the same day.
10, 15, 20, or 30-year terms are available and
policyholders can seamlessly adjust their policy value
or premium payment up and down by either selecting
from recommended packages or using our needs
analysis tool to choose a policy.

Zero Case Management.
Ethos automates and handles all billing, follow-ups, or
necessary medical exams.

Underwritten Instantly.
Ethos’s proprietary technology and underwriting
capabilities enable customers to be underwritten
instantly in some cases and receive competitive
prices. It’s a win-win for customers and agents.

We’re backed by carriers with over 120 years of
experience and rated A+ (Superior) by AM Best. There
is a 30-day money-back guarantee if a client changes
his or her mind, all handled by Ethos.

The Ethos process
couldn’t be easier…
The Ethos process couldn’t be
easier and my rates were very
competitive. I would highly
recommend Ethos Life.

Leslie via Trustpilot