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Ethos Term Life Insurance

Ethos Term Life Insurance

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Finance

Cheapest algorithmic insurer in 35yo test ($28/mo $500k 20-year), instant decisions, Munich Re reinsured.

๐Ÿ’ธ Best cheap quick

Apply at ethos.com. Algorithmic-only โ€” apply elsewhere if you have any health complexity.

Ethos is the cheapest of the algorithmic insurers on the sample 35-year-old non-smoker profile ($28/mo for $500k 20-year). Instant decisions, no medical exam for healthy applicants. Reinsured by Munich Re. Good app, simple application.

Pros

  • Cheapest in algorithmic category
  • Instant decisions
  • Reinsured by Munich Re

Cons

  • Limited to algorithmic underwriting
  • Higher decline rate than traditional underwriters
Price
$22ใ€œ$110
Reference price
View deal ยท Official

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