Ethos Pros & Cons

Every service has its ups and downs, and Ethos is no exception. Here’s a quick rundown of what users often like and what might be a drawback.

🚨 Lifetime Deal Alert: Available Now on AppSumo! ⏳ Don’t Miss Out

Pros

• 100% Online Application: The entire process is handled digitally, which is super convenient and time-saving.
• No Medical Exam for Most: This is a huge plus, making it much easier to get coverage without the traditional health check-ups.
• Same-Day Coverage: Many eligible applicants can get approved and covered very quickly.
• Free Will & Estate Planning Tools: A valuable extra benefit for policyholders.
• Transparent and Simple Process: Ethos aims to be upfront with their quotes and make the application easy to understand.
• Positive Customer Reviews: Ethos generally receives high marks for customer satisfaction, with an “Excellent” rating from Trustpilot (4.8/5 stars) and an A+ from the Better Business Bureau (BBB).

Cons

• Limited Customization (Riders): Some users might find that Ethos offers fewer options for adding riders (extra policy features) compared to traditional insurers.
• Age Limitations for Policies: While they offer both term and whole life, there are specific age ranges for each, like whole life being primarily for those 66-85.
• No Mobile App/Live Chat: While the online experience is smooth, they don’t currently have a dedicated mobile app or live chat feature for customer support.
• Not Available in New York: If you live in New York, you won’t be able to get a policy through Ethos directly, though they can point you to other options.
• Potential for Higher Rates for Some: While convenient, their no-exam term life rates might be higher than some competitors, especially if you’re in perfect health and could pass a traditional medical exam with flying colors.

Read more about Ethos Review:
What is Ethos? (And What It Isn’t)
Ethos Life Insurance Review & First Look
Ethos Features
How Does Ethos Work?
Ethos Pricing