CompareEthos at a glance
Where it shines
- No exam at any face amount up to $3M
- Application takes about 10 minutes
- Same-day approval is common
Where it doesn't
- Issuing carrier varies, so rating and policy terms vary
- Premiums run higher than fully underwritten policies for very healthy applicants
Who Ethos is right for
Ethos is best no-exam term because it removes the medical exam at every face amount up to $3 million. It is built for buyers who value a same-day decision over the last few dollars of premium.
No-exam underwriting
No medical exam on any term policy; health questions only. Above that threshold, or if your health history raises a flag, expect a paramedical exam. No-exam approval is a convenience, not a discount; a fully underwritten policy from the same carrier is usually cheaper for a healthy applicant.
Riders and options
Available riders include accelerated death benefit, child rider. Availability and cost vary by state.
How Ethos compares
| Carrier | Score | AM Best | Max coverage | Longest term | Max age | No exam up to |
|---|---|---|---|---|---|---|
 Ethos | 4.5 | A | $3M | 30 yrs | 65 | $3M |
 Ladder | 4.4 | A+ | $8M | 30 yrs | 60 | $3M |
 Haven Life | 4.6 | A++ | $3M | 30 yrs | 64 | $1M |
 Banner Life | 4.8 | A+ | $10M | 40 yrs | 75 | $2M |
 Fabric by Gerber Life | 4.3 | A+ | $5M | 30 yrs | 60 | $1M |
 Protective Life | 4.7 | A+ | $50M | 40 yrs | 75 | $2M |
 Pacific Life | 4.6 | A+ | $10M | 40 yrs | 75 | $3M |
Is Ethos on your shortlist?
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Ethos questions
Is Ethos a good life insurance company?
Ethos holds an AM Best financial strength rating of A to A+ (varies by issuing carrier) and earns a 4.5 out of 5 in Quote Genie's methodology, which weighs price, financial strength, underwriting flexibility, policy options and buying experience. We rate it best no-exam term.
How much term life insurance can I buy from Ethos?
Ethos issues term policies from $20K up to $3 million, with level terms of 10, 15, 20, 25, 30 years for applicants aged 20 to 65 at issue.
Does Ethos require a medical exam?
Not always. No medical exam on any term policy; health questions only. Applicants above that limit, or whose health history needs more review, will be asked to complete a paramedical exam.
Can I convert a Ethos term policy to permanent insurance?
Yes. The policy includes a conversion privilege that lets you move to permanent coverage without new medical underwriting, subject to the conversion period in your contract.
Facts come from Ethos product materials and public filings, last reviewed October 19, 2026. Quote Genie is an independent agency and is not affiliated with Ethos.