How Much Does Life Insurance By Ethos Cost?



Advertising Disclosure:  Companies we recommend may pay us a referral fee. Learn more.

After a review of Ethos life insurance, Mom, dad, and children are laughing and spending time in their living room.

Summary:

The sample quotes provided in this review came from the quoting tool on the Ethos website.  Theses quotes are just examples.  Your actual outcome will vary depending on your gender, age, and your health, hobbies, and habits.  You will NOT KNOW the actual cost of your policy until you have completed the application process and are approved.

If you still have unanswered questions after reading this review, Check out our comprehensive full Review of Ethos Life Insurance.    

Quotes are quick, easy, and free!

Quotes are quick, easy, and free!

Ethos PRICING AND FEES

Ethos has competitive prices BUT is not as competitive as other leading carriers such as Ladder Life.  This is especially true if you are above the age of 40.  Above age 40, Ethos is considerably more expensive that other leading carriers.

HOW MUCH DOES Ethos TERM LIFE INSURANCE COST?

You can run a sample quote on the Ethos website to get a general idea of how much it costs.  You can also get an idea of the cost by checking out the sample costs below in this review.  You WILL NOT KNOW your actual cost of an Ethos term life insurance policy until you actually complete the application, been underwritten, and are officially approved by the issuing life insurance company.

QUICK VIEW

  • Product Name: Term Life -  Policies issued by Banner - Legal & General America, Ameritas Life, & TruStage Life
  • Minimum Policy Face Amount: $50,000 to $1,500.000
  • Issue Ages: 20 to 65
  • Level Period: 10,15,20, & 30 Years

Quotes are quick, easy, and free!

Ethos UNDERWRITING CLASSES

  • Preferred +
  • Preferred
  • Standard

Ethos ADDITIONAL RIDERS

  • Accelerated Death Benefit - Allows you to access all or part of your death benefit if you become terminally ill.

Conversion:  BUYER BEWARE - There is NO option to convert your term life insurance purchased though Ethos into a permanent policy.  Conversion is a very important option in case you have a change of health and are not eligible to buy new insurance.  This could be especially true in this new age of COVID-19.

Shortcut:  Our #1 choice for life insurance with health issues is Health IQ.  If you have any history of heart disease, diabetes, cancer, stroke, or obesity, click here for a free quote.

Mom and Dad laughing with 2 young kids. Dad has one kid on his back.

Ethos TERM LIFE INSURANCE PROS

  • Easy buying process.  Most people do not have to take a medical exam

CONS OF Ethos TERM LIFE INSURANCE

  • More expensive that other leading carriers.  Especially above the age of 40.

Ethos SAMPLE MONTHLY QUOTES

(Quotes assume the best underwriting class.  Actual prices may be different.  Click here to get your personalized quote.)

Monthly Term Life Insurance Quotes (Age 30 - Male)

Coverage

10 Year

15 Year

20 Year

30 Year

$100,000

$10

$10

$10

$15

$250,000

$15

$15

$16

$27

$500,000

$23

$24

$27

$39

$1,000,000

$72

$41

$47

$72

Monthly Term Life Insurance Quotes (Age 30 - Female)

Coverage

10 Year

15 Year

20 Year

30 Year

$100,000

$8

$9

$9

$13

$250,000

$10

$13

$14

$23

$500,000

$14

$17

$20

$29

$1,000,000

$23

$27

$34

$52

Quotes are quick, easy, and free!

Monthly Term Life Insurance Quotes (Age 40 - Male)

Coverage

10 Year

15 Year

20 Year

30 Year

$100,000

$11

$13

$15

$21

$250,000

$19

$24

$29

$44

$500,000

$32

$39

$48

$74

$1,000,000

$58

$71

$90

$142

Monthly Term Life Insurance Quotes (Age 40 - Female)

Coverage

10 Year

15 Year

20 Year

30 Year

$100,000

$10

$11

$13

$17

$250,000

$16

$19

$23

$34

$500,000

$26

$32

$39

$58

$1,000,000

$46

$58

$72

$109

Quotes are quick, easy, and free!

Monthly Term Life Insurance Quotes (Age 50 - Male)

Coverage

10 Year

15 Year

20 Year

30 Year

$100,000

$21

$26

$33

$50

$250,000

$44

$56

$73

$115

$500,000

$69

$89

$116

$194

$1,000,000

$131

$172

$226

$382

Monthly Term Life Insurance Quotes (Age 50 - Female)

Coverage

10 Year

15 Year

20 Year

30 Year

$100,000

$21

$26

$33

$50

$250,000

$34

$44

$56

$85

$500,000

$54

$69

$89

$143

$1,000,000

$101

$131

$172

$279

Quotes are quick, easy, and free!

Monthly Term Life Insurance Quotes (Age 60 - Male)

Coverage

10 Year

15 Year

20 Year

30 Year

$100,000

$47

$64

$86

N/A

$250,000

$108

$150

$205

N/A

$500,000

$167

$103

$167

N/A

$1,000,000

N/A

N/A

N/A

N/A

Monthly Term Life Insurance Quotes (Age 60 - Female)

Coverage

10 Year

15 Year

20 Year

30 Year

$100,000

$35

$45

$60

N/A

$250,000

$78

$102

$142

N/A

$500,000

$120

$157

$218

N/A

$1,000,000

N/A

N/A

N/A

N/A

Quotes are quick, easy, and free!

WHAT IS THE COST OF Ethos GUARANTEED ISSUE WHOLE LIFE INSURANCE?

Ethos is contracted with AAA Life and sells their guarantee issue whole life insurance.  All guaranteed issue whole life policies and issued and backed by AAA Life.   The cost of AAA's guarantee issue whole life coverage is very just as completive as any of it's competitors.

QUICK VIEW

  • Product Name: Guarantee Issue Whole Life
  • Minimum Policy Face Amount: Up to $25,000.  Graded benefit in the 1st 2 years.
  • Issue Ages: 65 to 85 if you buy through Ethos.  45 to 85 if you buy direct from AAA
  • Level Period: Coverage is lifetime and does not expire.

Ethos Guaranteed Issue Whole LIfe UNDERWRITING CLASSES

  • There are no underwriting classes.  Acceptance is guaranteed even if you are in poor health.

Ethos Guaranteed Issue Whole LIfe ADDITIONAL RIDERS

  • No riders are available

Do you hate doctors but want life insurance? 

No problem with no-exam life insurance from Ladder Life! 


Ethos Guaranteed Issue WHOLE LIFE INSURANCE PROS

  •  Guaranteed Issue -You can not be turned down for any reason.  
  • Policies are issued and backed by AAA Life.  AAA Life's guaranteed issue whole life insurance is one of the more competitive prices in the market.

CONS OF Ethos Guaranteed Issue WHOLE LIFE INSURANCE

  • Can't be younger than age 65 if you purchase through Ethos BUT if you purchase direct from AAA Life you can be as young as 45.  
  • No death benefit is paid if you die in the first 2 years any other way than an accident.  Accidental death pays full coverage from day 1.  If you die any other way, your premium plus interest will be returned in full.  Full benefit is paid after 2 years no matter what the cause of death is.
Family game of tug-of-war with a rope. Set in a field with a blue sky and white clouds

WHAT IS THE PRICE FOR Ethos UNIVERSAL LIFE INSURANCE?

Ethos does not sell universal life.  If you are looking for a quote for universal life, click here.



Skip the Needles!

Want to take the "pain" out of life insurance?  We don't blame you!  Ladder Life Insurance is our #1 recommended no-exam company offering 10, 20, and 30 year plans up to age 60.  See if you qualify for "no exam" today.

Quotes are quick, easy, and free! 


SUMMARY

Ethos is a licensed broker and third party administrator.  They are not an insurance company.  They have contracted with Banner Life - Legal & General America, Ameritas Life, TruStage and AAA Life and sell a variation of those company's life insurance products.  

Ethos prices are average at younger ages and more expensive at older ages compared to other leading carriers.  You actually get better prices and a more robust policy if you actually go to Banner, Ameritas, TruStage, and  AAA Life and buy direct versus using Ethos as the "middle man".  

Although the Ethos website is easy to use, informative, and might give you an instant underwriting approval, there are better options and you should keep shopping around.

Have you had any experience with Ethos? Let us know in the comments.


Written by:  Chris Lalor

Leave a Reply

Your email address will not be published. Required fields are marked

{"email":"Email address invalid","url":"Website address invalid","required":"Required field missing"}