Ethos is a digital life insurance company that offers its services in 49 states and the District of Columbia in the United States. This means that you can easily buy Ethos life insurance in most parts of the United States. However, this insurance service is not offered in New York State.
Age limits for Ethos insurance
- People between the ages of 20 and 65: People in this age group can buy term life insurance. Term insurance is insurance for a specific period of time. With Ethos, they can take insurance for a period of time such as 10, 15, 20, or 30 years. A total insurance amount can be up to two million dollars.
- People between the ages of 66 and 85: People in this age group can get whole life insurance. Whole life insurance is insurance that lasts for the entire life of the person. It does not require a medical examination. The insurance amount can be up to a maximum of $30,000.
Two types of insurance are offered according to age: term insurance for young people with a higher amount and whole life insurance for seniors with a lower amount.
Location Eligibility
Ethos life insurance is available in most states in the United States. That is, Ethos insurance can be purchased in all other states except New York State. Also, this insurance is available in the District of Columbia.
READ MORE: Cancelling an Ethos Life Insurance Plan: A Complete Guide
Information required when applying
When applying for Ethos life insurance, you must provide some important information. These are age, gender, medical history, current medications, education level, income, driver’s license, and social security number.
This information will help determine your insurance eligibility and the amount of insurance provided.
Key points
Key points regarding Ethos life insurance:
- No need to undergo a medical examination.
- The application can be made completely online.
- You can choose the desired insurance amount and term.
- A money-back guarantee is provided within 30 days.
- The insurance amount available varies according to age.
People’s comments on social media
People’s comments on social media about Ethos Insurance are generally positive. Most people say that the application process is simple and that there is no medical examination required, which is very helpful. In particular, people over 65 years of age share that they have experienced ease when taking out whole life insurance.
Note: This information is provided as of August 2025. Ethos insurance plans and terms may change over time. It is recommended to visit the Ethos official website for the latest information or further details.
Conclusion
Ethos life insurance is a modern insurance service that is easily accessible to most people in the United States. Many people prefer it because of the convenience of choosing term life or whole life insurance according to age, the simple online application process, and the offer of no medical examination.
However, since the insurance limits and terms vary according to age, it is best to visit the official Ethos website to choose the best plan for you. Thus, Ethos life insurance is a reliable solution that combines simplicity and security.