Get QuoteSecure site · Updated July 2026
- Sample monthly premium
- From $12/mo
- Coverage amount
- $20K–$2M
- Term lengths
- 10–30 yrs
- No-exam option
- Yes
Why it stands out
Ethos highlights
- No-exam term coverage up to $2 million for many applicants
- Application and decision typically finish in under 15 minutes
- Offers both term and simplified whole-life products
- 30-day money-back guarantee on new policies
The verdict at a glance
Pros and cons
Pros
- One of the widest no-exam coverage limits in the market
- Genuinely fast approvals for healthy, younger buyers
- Policies backed by established, highly rated carriers
Cons
- Applicants with serious conditions may still need an exam
- Whole-life options are more limited than a dedicated insurer
Our full review
Our take on Ethos
Ethos built its whole pitch around dropping the medical exam, and it delivers: most applicants answer a short health questionnaire and get a decision in minutes. Both term and whole-life options are on the menu, and policies are issued by well-rated carriers like Legal & General and Ameritas.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on Ethos’s own site before you apply.
The alternatives
How Ethos compares
Other top-rated insurers in Life Insurance. Compare the numbers side by side before you decide.
| # | Provider | Rating | Sample monthly premium | Best for | |
|---|---|---|---|---|---|
| 1 | Haven Life | From $17/mo | Healthy applicants who want term coverage fast | See Rates | |
| 2 | Bestow | From $11/mo | Young, healthy buyers on a tight budget | See Rates | |
| 3 | Ladder | From $14/mo | People whose coverage needs will change | Get Quote | |
| 4 | Fabric by Gerber Life | From $15/mo | Parents building a full safety net | See Rates |
- Haven Life4.9Best for Healthy applicants who want term coverage fast
- Bestow4.6Best for Young, healthy buyers on a tight budget
- Ladder4.5Best for People whose coverage needs will change
- Fabric by Gerber Life4.4Best for Parents building a full safety net