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Bottom Line: Ethos earns its spot in the Life Insurance category with no medical exam required. Worth a close look for the right borrower.
Overview
Ethos offers term life insurance starting at $10/month with coverage from $100K to $3M. No medical exam needed with a 5-minute online application for ages 20-65.
Ethos stands out for providing services in no medical exam policies, quick application process, term life insurance.
On the plus side: no medical exam required, fast 5-minute application, competitive pricing. The trade-offs? limited to term life insurance, no permanent life options.
Key Features
- Term life insurance starting at $10/month
- Coverage from $100K to $3M
- No medical exam needed
- 5-minute online application
- Ages 20-65 eligible
Rates & Fees
Let’s talk numbers.
- Plans start at $10/mo
- Fees: No fees
Insurance pricing varies by coverage level, age, and location. Get a personalized quote to see your actual rates.
Who Is This For?
Ethos is geared toward those looking for no medical exam. Particularly strong for anyone in the market for no medical exam policies, quick application process, term life insurance.
This might not be the best fit if limited to term life insurance is a dealbreaker for you.
Application Process
Quick online application — about five minutes to complete. Decisions come back fast, often the same day.
How Ethos Compares
Among life insurance options, Ethos leans toward the premium end — you pay slightly more but get a polished experience.
With a rating of 9.2/10, it ranks among the stronger options available.
Best For: No medical exam
Response Time: 5 minutes
