Quick Answer
Ethos AI provides instant term life insurance without medical exams for most US applicants using AI underwriting from data sources. Coverage decisions in minutes from $8/month. Digital application for coverage up to $2 million. US only.
What It Does
Ethos AI provides instant term life insurance quotes and coverage decisions without medical exams for most applicants, analyzes thousands of data points for AI-powered underwriting decisions, offers term life coverage from $20,000 to $2 million, provides whole life insurance for final expense coverage, delivers a completely digital application process completing in minutes, manages policies through the Ethos digital platform, provides beneficiary designation and policy management tools, offers coverage to applicants up to age 85 for some products, delivers educational resources on life insurance needs and options, and partners with established carriers for policy underwriting and financial strength.
What It Cannot Do
Some applicants based on health history or risk factors may still require traditional underwriting or may not qualify. Coverage amounts are capped compared to traditional life insurers for complex situations. Ethos focuses on term and simplified whole life — complex permanent life insurance products require traditional insurers. US only.
Who Is It For
US individuals who want life insurance quickly without the hassle of medical exams and lengthy traditional underwriting. Particularly suitable for people who have been putting off getting life insurance due to the complexity of the traditional process or who need coverage quickly for a specific life event.
About Ethos Life AI
Ethos has built one of the most AI-forward approaches to life insurance underwriting by using machine learning to assess risk from data sources rather than requiring medical exams for most applicants. Traditional life insurance requires an intrusive application process involving blood draws, physical exams, and weeks of underwriting — a process that discourages many people from getting coverage. Ethos uses AI to analyze thousands of data points from existing databases to make underwriting decisions instantly for eligible applicants. The company partners with established insurance carriers to underwrite the policies providing the financial strength of established companies with Ethos's digital AI-powered application experience.
Pricing and Access
Pricing varies by age health factors coverage amount and term length. No exam required for most applicants. Coverage decisions in minutes. US only. Policies underwritten by established carrier partners.
Platforms
How AI Works
LLM PoweredFounded
2016
Headquarters
San Francisco, USA