Ethos Term Life
Ethos underwrites through Legal & General America, so pricing is real. Best for healthy applicants who want a fully digital experience.
Use this page as a benchmark, not as a guaranteed quote or eligibility promise. The price, rate, fee, coverage, or feature set can change with location, customer profile, promotional timing, scope, and provider terms. Compare the current source disclosure before you buy or sign.
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Price and terms
- Monthly price: $25
- Annual price: $300
FairPrice score: 87/100
Coverage
Term life $250k-$2M, no-exam options
Features
- No medical exam up to $2M
- 10-30 year terms
- App-based management
- Instant coverage possible
Pros
- Highest no-exam limit in industry
- Digital-first
- Solid underwriter
Cons
- Rates rise fast for smokers
- Limited whole-life options
Best for
- term-life
- no-exam
- online
Official source · Last verified 2026-07-04