About Ethos
Data updated- Website
- ethoslife.com
- Category
- Money & Insurance
- Location
- United States
- Status
- Unclaimed
- Last 12 months
- 287 reviews
- Replies to negative
- 100% (7/7)
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About this business
Ethos is a new kind of life insurance built for people who don’t have time for fine print, extra doctors appointments, or hidden fees.We believe that life insurance should be affordable and accessible, because it protects families when they are most vulnerable. So we took advantage of a fresh start, rebuilding the process in a simpler, faster way. This freed us to pursue our goal: to protect all families.
Written by the business, not verified by us.Is Ethos legit?
Ethos (ethoslife.com) has a 4.9 out of 5 rating on OK.one, based on 287 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 98% rating it 4 stars or higher; The business has replied to 100% of negative reviews; Reviews mostly discuss User experience, Customer service, Price. Last updated 2026-08-28.
What reviewers say
AI generatedCustomers and reviewers overwhelmingly had a great overall experience with this company. Customers frequently share that setting up term life insurance is extremely fast, straightforward, and surprisingly simple without requiring any stressful or complicated medical exams. Many people also appreciate the incredibly knowledgeable agents who take the time to explain policies thoroughly, ensuring that families get great coverage and highly affordable monthly rates. Some people were slightly dissatisfied with unexpected policy details and communication gaps regarding their coverage. Consumers noted occasional confusion regarding policy switches, unexpected updates, or difficulties managing specific account details like beneficiaries without making phone calls.
Auto-generated from all reviews of this business. For reference only.What people say
Good site
Good site, very simple
Easy to apply and get approved
Easy and helpful
Easy to work with so far.
Simple and easy to understand
Easy and worth it
Great customer service
It was very easy for me even though I…
It was very easy for me even though I don't know much about computers.
Bailey was amazing
Bailey was amazing. She answered every question I had and went the extra mile to ensure my family was protected. Thank you again!!
Amazing and quick
Super Fast and Easy
Great customer service fantastic…
Great customer service fantastic experience, thank you.
Very easy to follow application
If I could give them 0 stars
If I could give them 0 stars, I would. I signed up for a policy, and ending up getting better coverage, so I called to cancel my policy. When I got to the "AI representative," and put in my info including my SSN and DOB, it said I didn't have an active policy (I did this on chat and on the phone). Fast forward a month, I get a reminder about my payment. I disregarded it, figured it didn't sync. Soon after I got an email saying my payment method needed to be changed. At this point I called and the first HUMAN I spoke to also said I had no policy, again, providing my SSN and DOB. I got ANOTHER email about my payment method and called yet again. They "found" my policy using different info, somehow including a phone number I had 30 years ago (I still have no clue how - I hadn't remembered that number until they read it to me). Anyway, they had charged me already, twice, and wouldn't reimburse me. They said I initiated the policy, which I did and I'm not refuting, and when I called, they said I didn't have one. Please tell me how I'm supposed to know it's in the wrong system if their own staff couldn't tell me? They continue to try to tell me I initiated the policy and refuse to reimburse me. Horrible experience.
Reply from Ethos2026-08-25
Hello, Thank you for sharing your experience. We’re sorry for the confusion and inconvenience you encountered while trying to access and manage your policy. We understand your concerns and can confirm that our team has been in contact with you regarding this matter and has provided assistance based on the information available. We appreciate you taking the time to share your feedback, and we’ll continue to review opportunities to improve the customer experience. Thank you, Ethos Support.
It’s a scam they promote higher…
It’s a scam they promote higher insurance coverage for only accidental death but they don’t tell you this upfront. If you die from the most common causes of death the coverage is lower. You only hear about until you pay the first premium when you are initially accepted. I decided it was a scam and requested a refund and was told would receive it in 24 hours. It’s been over 2 months still nothing. They sent a bogus email with a fake AI number when you call it no response.
Reply from Ethos2026-08-25
Hello, Thank you for sharing your experience. We sincerely apologize for the lack of clarity regarding the coverage and for the concerns you experienced with your refund. We take your feedback regarding how the coverage was explained seriously and have shared it internally for review and improvement. If you need further assistance regarding your policy, please contact us at [email protected] so our team can assist you. Thank you, Ethos Support.
Easy for seniors
The whole experience so far from…
The whole experience so far from selecting, buying, starting, and changing has been easy and thorough. The customer service rep I’ve dealt with is pleasant and knowledgeable. They don’t try to upsell you or make you scared…just a good product at a great price!
Made it easy and smooth.
Smooth and easy
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