Ethos Life Insurance Review 2022 – Forbes Advisor


We scored companies based on these metrics:

Price (50% of score): We averaged no-exam life insurance rates for males and females in excellent health at ages 30, 40, and 50 for $500,000 and $1 million and a 20-year term.

Maximum face amount for the lowest eligible age (10% of score): Companies with higher no-exam life insurance coverage amounts for younger people earned more points. Note that the maximum no-exam coverage can sometimes decrease if you apply at a later age.

Age eligible for best length/amount (10% of score): Companies offering no-exam life insurance to people over 50 earned extra points.

Accelerated Death Benefit available (10% of score): This important feature allows you to access part of your own death benefit if you develop a terminal illness.

Option to convert to a permanent life insurance policy (10% of the note): It’s a good option to set up if you decide you want a longer policy, especially if your health has declined and you don’t want to buy new life insurance.

Guaranteed renewals (5% of score): This option allows you to extend coverage after your original term period expires, for example after 10, 20 or 30 years. Renewal rates can be significantly higher, but renewal can provide extended coverage for someone who may no longer qualify for a new life insurance policy due to medical condition.

Median time from request to approval (5% of score): We awarded more points to companies with faster no-exam life insurance approval times.

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