How Much Does Life Insurance by Ethos Cost?
The sample quotes provided in this review came from the quoting tool on the Ethos website. Theses quotes are just examples.
Your actual outcome will vary depending on your gender, age, and your health, hobbies, and habits.
You will NOT KNOW the actual cost of your policy until you have completed the application process and are approved.
Check out our full Review of Ethos Life Insurance:
Do you have first-hand experience with Ethos? We’d like to hear about it…
Ethos Life Insurance Pricing and Fees
Ethos has competitive prices, BUT is not as competitive as other leading carriers. This is especially true if you are over the age of 40. Above age 40, Ethos is considerably more expensive that other leading carriers.
HOW MUCH DOES ETHOS TERM LIFE INSURANCE COST?
You can run a sample quote on the Ethos website to get a general idea of how much it costs. We’ve also included sample rates below, to give you a general sense of the pricing. Remember, you WILL NOT KNOW the actual cost of your Ethos term life insurance policy until you have: completed the application, been underwritten, and are officially approved by the issuing life insurance company.
QUICK VIEW
- Product Name: Term Life – Policies issued by Banner – Legal & General America, Ameritas Life, & TruStage Life
- Minimum Policy Face Amount: $50,000 to $1,500.000
- Issue Ages: 20 to 65
- Level Period: 10,15,20, & 30 Years
ETHOS UNDERWRITING CLASSES
- Preferred +
- Preferred
- Standard
ETHOS ADDITIONAL RIDERS
- Accelerated Death Benefit –
Allows you to access all or part of your death benefit if you become terminally ill.
Pros
Easy buying process
Most people do not have to take a medical exam
Cons
More expensive that other leading carriers
Especially above the age of 40
ETHOS SAMPLE MONTHLY QUOTES
Quotes assume the best underwriting class. Actual prices may be different.
Monthly Term Life Insurance Quotes (Age 30 – Male)
| Coverage | 10 Year | 15 Year | 20 Year | 30 Year |
|---|---|---|---|---|
| $100,000 | $10 | $10 | $10 | $15 |
| $250,000 | $15 | $15 | $16 | $27 |
| $500,000 | $23 | $24 | $27 | $39 |
| $1,000,000 | $72 | $41 | $47 | $72 |
Monthly Term Life Insurance Quotes (Age 30 – Female)
| Coverage | 10 Year | 15 Year | 20 Year | 30 Year |
|---|---|---|---|---|
| $100,000 | $8 | $9 | $9 | $13 |
| $250,000 | $10 | $13 | $14 | $23 |
| $500,000 | $14 | $17 | $20 | $29 |
| $1,000,000 | $23 | $27 | $34 | $52 |
Monthly Term Life Insurance Quotes (Age 40 – Male)
| Coverage | 10 Year | 15 Year | 20 Year | 30 Year |
|---|---|---|---|---|
| $100,000 | $11 | $13 | $15 | $21 |
| $250,000 | $19 | $24 | $29 | $44 |
| $500,000 | $32 | $39 | $48 | $74 |
| $1,000,000 | $58 | $71 | $90 | $142 |
Monthly Term Life Insurance Quotes (Age 40 – Female)
| Coverage | 10 Year | 15 Year | 20 Year | 30 Year |
|---|---|---|---|---|
| $100,000 | $10 | $11 | $13 | $17 |
| $250,000 | $16 | $19 | $23 | $34 |
| $500,000 | $26 | $32 | $39 | $58 |
| $1,000,000 | $46 | $58 | $72 | $109 |
Monthly Term Life Insurance Quotes (Age 50 – Male)
| Coverage | 10 Year | 15 Year | 20 Year | 30 Year |
|---|---|---|---|---|
| $100,000 | $21 | $26 | $33 | $50 |
| $250,000 | $44 | $56 | $73 | $115 |
| $500,000 | $69 | $89 | $116 | $194 |
| $1,000,000 | $131 | $172 | $226 | $382 |
Monthly Term Life Insurance Quotes (Age 50 – Female)
| Coverage | 10 Year | 15 Year | 20 Year | 30 Year |
|---|---|---|---|---|
| $100,000 | $21 | $26 | $33 | $50 |
| $250,000 | $34 | $44 | $56 | $85 |
| $500,000 | $54 | $69 | $89 | $143 |
| $1,000,000 | $101 | $131 | $172 | $279 |
Monthly Term Life Insurance Quotes (Age 60 – Male)
| Coverage | 10 Year | 15 Year | 20 Year | 30 Year |
|---|---|---|---|---|
| $100,000 | $47 | $64 | $86 | N/A |
| $250,000 | $108 | $150 | $205 | N/A |
| $500,000 | $167 | $103 | $167 | N/A |
| $1,000,000 | N/A | N/A | N/A | N/A |
Monthly Term Life Insurance Quotes (Age 60 – Female)
| Coverage | 10 Year | 15 Year | 20 Year | 30 Year |
|---|---|---|---|---|
| $100,000 | $35 | $45 | $60 | N/A |
| $250,000 | $78 | $102 | $142 | N/A |
| $500,000 | $120 | $157 | $218 | N/A |
| $1,000,000 | N/A | N/A | N/A | N/A |
WHAT IS THE COST OF ETHOS GUARANTEED ISSUE WHOLE LIFE INSURANCE?
Ethos is contracted with AAA Life and sells their guarantee issue whole life insurance. All guaranteed issue whole life policies and issued and backed by AAA Life. The cost of AAA’s guarantee issue whole life coverage is very just as completive as any of it’s competitors.
QUICK VIEW
- Product Name: Guarantee Issue Whole Life
- Minimum Policy Face Amount: Up to $25,000. Graded benefit in the 1st 2 years.
- Issue Ages: 65 to 85 if you buy through Ethos. 45 to 85 if you buy direct from AAA
- Level Period: Coverage is lifetime and does not expire.
UNDERWRITING CLASSES –
ETHOS GUARANTEED ISSUE WHOLE LIFE
- There are no underwriting classes.
- Acceptance is guaranteed, even if you are in poor health.
ADDITIONAL RIDERS –
ETHOS GUARANTEED ISSUE WHOLE LIFE
- No riders are available
PROS & CONS OF ETHOS GUARANTEED ISSUE WHOLE LIFE INSURANCE
Pros
- Guaranteed Issue -You can not be turned down for any reason.
- Policies are issued and backed by AAA Life. AAA Life’s guaranteed issue whole life insurance is one of the more competitive prices in the market.
Cons
- Can’t be younger than age 65 —if you purchase through Ethos— BUT if you purchase direct from AAA Life you can be as young as 45.
- No death benefit is paid if you die in the first 2 years any other way than an accident. Accidental death pays full coverage from day 1. If you die any other way, your premium plus interest will be returned in full. Full benefit is paid after 2 years no matter what the cause of death is.
WHAT IS THE PRICE FOR ETHOS UNIVERSAL LIFE INSURANCE?
Ethos does not sell universal life.
Do you have first-hand experience with Ethos? We’d like to hear about it…
The Bottom Line
Ethos is NOT a Life Insurance Company. They are a licensed broker and third party administrator.
They have contracted with Banner Life – Legal & General America, Ameritas Life, TruStage and AAA Life and sell a variation of those company’s life insurance products.
Their site and tools are easy to use, informative, and might get you an instant underwriting approval. But there are better options!
Compared to other leading carriers, Ethos Life Insurance prices are average (at younger ages) and more expensive (at older ages).
You actually get better prices and a more robust policy if you go to directly to the companies that issue the policies —Banner, Ameritas, TruStage, and AAA Life— DIRECTLY, instead of using Ethos as the “go-between”.
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