Get Life Quotes Today is independent. We are not affiliated with, endorsed by or paid by Ethos for this page, and calling our number does not connect you to Ethos. If you already have a policy and need help with billing, changes or a claim, contact Ethos directly. The licensed agents we connect callers with may or may not offer this company's products.
Ethos at a glance
- Type
- Agency and online platform, not an insurer
- Ownership
- Public company
- AM Best financial strength
- Ethos is not an insurance company, so it has no financial strength rating of its own. The rating that matters is the one held by the insurer that issues your policy. Ethos names its partner insurers on its website.
- How it sells
- Online, and through agents who use its platform.
What Ethos is known for
- A fully online application with quick decisions
- Term life with no medical exam for many applicants
- Whole life options for older applicants
What to weigh
- Find out which insurer will issue your policy and check that company's rating
- No-exam convenience can cost more than fully underwritten coverage if you are in good health
- An online process suits people who are comfortable applying without talking it through
How to check any insurer yourself
- Look up the current financial strength rating at AM Best (opens in a new tab). Ratings change, so check the date.
- Compare complaint records with the NAIC consumer information search (opens in a new tab).
- Confirm the company and the agent are licensed with your state insurance department.
- Ask whether the policy has a waiting period. How graded benefits work.
Common questions
Is Ethos a legitimate company?
Yes. An online life insurance company that went public in January 2026. Ethos is a licensed agency and administrator, not an insurer. It runs the application online, and the policies are issued by partner insurance companies.
Can I buy Ethos through Get Life Quotes Today?
We do not sell insurance. We connect callers with third-party licensed agents, who may or may not offer Ethos. Ask the agent which companies they represent.
How do I contact Ethos about my existing policy?
Use the phone number on your policy or billing statement, or the company's own website. We have no access to Ethos policy records and cannot help with service or claims.
Sources
- Ethos: our life insurance carriers (opens in a new tab)
- S&P Global Market Intelligence on Ethos after its IPO (February 2026) (opens in a new tab)
Facts on this page were checked on October 13, 2026 and can change. This is general information, not a recommendation or insurance advice. Company names are trademarks of their owners and are used here only to identify the companies discussed.