Why Ethos?
Broad eligibility Ethos can offer life insurance for over 90% of U.S. adult applicants ages 20-85*, including seniors, low credit holders, and those with health issues. *Averaged across ages.
Fast coverage Our streamlined application uses your answers to health questions to provide a decision for you on the spot, in a process that can take as little as 10 minutes.
No medical exams Our 100% online process makes it simple to apply. What traditionally took weeks can now be done in minutes by answering just a few health and lifestyle questions.
FAQs
What does a life insurance policy cover? It’s ultimately up to your beneficiaries to decide how to use the cash payout. People often choose to use it for things like:C Home mortgage or rentC Lost incomeC Loans and debtC Children’s educationC Living expensesC Funeral costs H o w do policy clai m s and payouts w or k ? I f you pass away while your coverage is in force, your beneficiary files a claim with your insurance carrier (as identified on your policy documents), your carrier will pay the claim to your beneficiary, typically in an income tax-free lump-sum payment. For example, if you purchase $1 million in coverage, your beneficiary will receive a tax-free $1 million lump-sum payout.
What happens w hen m y ter m ends ? I f you do not pass away during your term, you have options when your term ends:C You can renew your term annually at a higher rate, with no additional underwriting You can apply for a new policy with a fresh term length and coverage amount You can decide to let your coverage expire and not replace it. I s there a chance the payout w on ’ t b e paid? A claim may not be paid if underwriting fi nds that parts of the application were answered untruth f ully or i f the claim is the result o f death by suicide within the first two years o f the policy bein g in f orce . R e f er to your policy f or details .
© 2024 Ethos Technologies Inc. Ethos operates in some states as Ethos Life Insurance Services. CA license #0L28949; AR license #100164629. Ethos offers policies issued by the carriers listed at www.ethoslife.com/carriers. Products and their features may not be available in all states. To help avoid requiring a medical exam, our application asks certain health and lifestyle questions. Ethos Term Life – Prime policy form ICC23-CDT and state variations is a Legal & General America term life insurance product underwritten and issued by Banner Life Insurance Company, Urbana, MD. Banner Life and Ethos Technologies Inc. are separate and independent companies. Banner Life products are distributed in 49 states and in DC. Banner Life is not authorized as an insurer and does not do business in New York. In approved states, Ethos Term Life – Spectrum (form 3025) is issued by Ameritas Life Insurance Corp. In Oregon, policy form ICC20 3025 7-20. The product is not available in New York. Ameritas and Ethos Technologies Inc., are separate, independent entities. Ameritas® is a marketing name for subsidiaries of Ameritas Mutual Holding Company. Subsidiaries include Ameritas Life Insurance Corp. in Lincoln, Nebraska and Ameritas Life Insurance Corp. of New York (licensed in New York) in New York, New York. Each company is solely responsible for its own financial condition and contractual obligations. Guarantees are based on the claims-paying ability of Ameritas Life Insurance Corp. Neither Ameritas Life Insurance Corp. nor its representatives provide tax or legal advice. For more information about Ameritas®, visit ameritas.com. For more information about Ameritas®, visit ameritas.com. Ameritas® and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life® is a registered service mark of affiliate Ameritas Holding Company. © 2024 Ameritas Mutual Holding Company TruStage™ Simplified Issue Term Life Insurance is issued by CMFG Life Insurance Company. This is a term policy to age 80 that has premiums that increase when entering each five-year band: 25, 30, 35, 40, 45, 50, 55, 60, 65, 70, and 75. Base Form Numbers for coverage under 100k: ICC16- A10a-039, A10a-039-2016 & over 100k ICC17-SIT-2, 2017-SIT-2. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any depository institution. Product and features may vary and not be available in all states. Corporate Headquarters: 5910 Mineral Point Road, Madison, WI 53705. © TruStage. LEGAL: Privacy | Terms and Conditions | Confidentiality
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