So, what makes Ethos different?

Great question. For one, we offer ‘term’ life insurance. More importantly though, we approach life insurance the same way we approach life—people first, money second.

Living shouldn’t be considered risky.

Most life insurances charge you more for risky behavior like ‘living in different places’ and ‘traveling,’ also known as ‘everyday life’ for most people. We don’t charge you more for those things. Because that would be crazy.

Life Insurance in the Fast Lane

Finances aren’t one size fits all.

We don’t just run the numbers. We examine every application on a case by case basis. And we know taking out student loans isn’t the same as if you maxed out your credit card on a jet ski. Because unlike jet skis, student loans usually lead to an increase in your future earnings.

We use technology.

So how do we do all this and still offer you a good deal? We built a robot. Our custom-built data analytics and automated post-submission workflow cuts out a lot of bureaucracy and paperwork. And that lets us keep costs low and coverage quality high.

We treat you like a person, not a ‘risk.’

Because you’re a person, not an addition to our ‘risk’ pool, and we treat you like an individual: assessing your application personally, giving you the benefit of the doubt, and fighting hard to get you the lowest rate possible. Why? Because we’re on your side and don't hold the past against you. We care about where your life is headed, not where it’s been.

We’re here for life.

We’ll be around to celebrate birthdays, babies, new homes, and other life events; we’re not leaving you after you sign up.
We’ll offer ongoing services that enhance your life (education, content, etc.)

Life Insurance in the Fast Lane

We treat you like a person, not a ‘risk.’

Because you’re a person, not an addition to our ‘risk’ pool, and we treat you like an individual: assessing your application personally, giving you the benefit of the doubt, and fighting hard to get you the lowest rate possible. Why? Because we’re on your side and don't hold the past against you. We care about where your life is headed, not where it’s been.

Finances aren’t one size fits all.

We don’t just run the numbers. We examine every application on a case by case basis. And we know taking out student loans isn’t the same as if you maxed out your credit card on a jet ski. Because unlike jet skis, student loans usually lead to an increase in your future earnings.

We’re here for life.

We’ll be around to celebrate birthdays, babies, new homes, and other life events; we’re not leaving you after you sign up.
We’ll offer ongoing services that enhance your life (education, content, etc.)

We use technology.

So how do we do all this and still offer you a good deal? We built a robot. Our custom-built data analytics and automated post-submission workflow cuts out a lot of bureaucracy and paperwork. And that lets us keep costs low and coverage quality high.

So what’s ‘term’ life insurance?

Term life insurance lasts between 10 and 30 years, which makes it ideal for people in the prime of their life.
Why? Because we don’t think anything will happen to you, so we’re able to offer far more coverage if something does happen. And since now is the time that your family depends on your income the most (mortgages, college savings accounts, etc.), term life insurance makes sure they have access to everything you’re providing—even if the worst happens.
It’s so easy!