Ethos Life Insurance Review 2019

Ethos Life Insurance Review 2019 

AT A GLANCE 

Sells term extra security on the web.

Accessible in all states aside from New York.

Numerous candidates can qualify without a medicinal test.

Outline

Propelled in June 2018, Ethos offers term life arrangements online from Assurity Life Insurance Co. Ethos says finishing the online application can take as meager as 10 minutes and that the vast majority who meet all requirements for inclusion can purchase up to $1 million in disaster protection without taking a therapeutic test. Ethos gets to information, for example, your engine vehicle and doctor prescribed medication records, and uses prescient investigation to choose whether you qualify and to set rates.

Deal with WHAT MATTERS MOST 

Your family is special — your extra security ought to be, as well.

Arrangements are given by Assurity Life Insurance Co. NerdWallet doesn't score Assurity for our extra security organization rankings since consumer loyalty evaluations for the organization are inaccessible. Assurity is excluded from the yearly J.D. Power U.S. Disaster protection Study, a consumer loyalty study.

» MORE: The best extra security organizations

Discover progressively about every component that goes into our Ethos audit by clicking beneath.

Monetary quality

Grumblings

Progressively ABOUT ETHOS 

Ethos offers term life coverage to individuals ages 18 to 75. Accessible terms are 10, 15, 20 and 30 years. You can purchase longer terms at more youthful ages. The most extreme term lengths by age are:

*Age 18 to 55 (nonsmoker), 18 to 50 (smoker): Up to 30 years.

*Age 56 to 65 (nonsmoker), 51 to 65 (smoker): Up to 20 years.

*Age 66 to 70: Up to 15 years.

*Age 71 to 75: Up to 10 years.

The organization doesn't sell lasting disaster protection, for example, entire life. The streamlined application process is on the web, so there's no desk work. An extra security operator is accessible from 7 a.m. to 8 p.m. Pacific time to respond to inquiries by telephone, content or email. The specialist doesn't make commissions on deals.

Approaches sold by Ethos are given by Assurity Life Insurance Co., a Nebraska-headquartered organization established in 1890.

Ethos says most candidates who fit the bill for life coverage aren't required to take a therapeutic test, paying little heed to age. In any case, a test might be required in the event that you apply for more than $1 million in inclusion, or the organization needs more wellbeing data to choose on the off chance that you qualify.

Ethos propelled with support from Sequoia Capital and Stanford University, just as a few stimulation and superstar speculators. They incorporate Arrive, an auxiliary of amusement organization Roc Nation; on-screen character Robert Downey Jr's. Downey Ventures; b-ball player Kevin's Durant Company; and entertainer Will's Smith Family Circle.

Extra security OPTIONS 

Items offered Term extra security

Term options 10, 15, 20 and 30 years.

Age availability 18 to 75.

Medicinal test required? May be required on strategies over $1 million or if more wellbeing data is required.

Can be denied for coverage? Yes.

Accessible in All states aside from New York.