Ethos Life Insurance is an American insurer that provides easy and affordable life insurance options. The company provides term and whole life insurance policies that cater to a wide range of needs. Their user-friendly online platform allows customers to get quotes, apply for coverage, and manage their policies with ease.
#All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply
Ethos aims to make life insurance accessible and hassle-free for individuals and families seeking financial protection. Let us take a look at the different types of plans and how you can buy these plans online.
Ethos life insurance offers the following two types of life insurance plans:
Term insurance plans are the most affordable life insurance plans that offer coverage for a specific term. With this plan, your nominees are guaranteed the death benefit in case of your unfortunate death during the policy term.
Whole life insurance plans cover you for your whole life as long as you keep paying the premiums. With these plans, your nominees are guaranteed the death benefits in case of your untimely death. These plans also build a cash value over time, which you can take out in case of an emergency during the policy term.
Term Plans
Getting Ethos life insurance quotes is simple and can be done in three easy steps:
Get a Quote: Answer a few questions online about yourself to see estimated costs for various policy options.
Apply in Minutes: Complete the fast and secure online application in about 5 minutes.
Get Coverage: After submitting your application, Ethos will quickly process it and inform you of your coverage eligibility and rates. If approved, you can activate your coverage immediately.
When applying for Ethos life insurance, you'll need to answer some basic questions to determine the policy for you:
Age: Ages 20 to 65 are eligible for term policies, while ages 66 to 85 qualify for a guaranteed-issue whole life policy.
Eligibility: You must be a U.S. citizen between the ages of 20 and 85. Ethos operates in all U.S. states except New York and the District of Columbia.
Required Information:
Driver's license
Social Security number (for identity verification)
Personal and family medical history
Current prescription information
Additional Questions for Term Policies:
Your health
Legal and driving history
Health insurance history
Employment and income status
Lifestyle and hobbies
Drug and alcohol use
This information helps Ethos verify your identity and assess your health without requiring a medical exam, ensuring a quick and smooth application process. If you change your mind at any point, you can withdraw your insurance for life application without penalty. Once coverage is offered, you have a 30-day period to cancel and receive a refund if needed.
Secure Your Family Future Today
₹1 CRORE
Term Plan Starting @
Get an online discount of upto 10%#
Compare 40+ plans from 15 Insurers
In case of your untimely death during the policy term, your beneficiaries/nominees can file a claim with your insurance provider to receive the death benefit payout. Here’s how it works:
Filing a Claim: Your beneficiary submits a claim to your insurance carrier.
Receiving the Payout: Assuming there are no unusual circumstances, your beneficiary will receive an untaxed, lump-sum payment equal to the policy's value.
There are several reasons why a claim might not be paid:
Fraud: Providing false information or misrepresentations in your application can lead to claim denial.
Suicide: If the insured's death results from suicide within the first two years of the policy, the claim may be denied.
Exclusions and details can vary by state, so always refer to your life insurance policy documents or contact the insurer for additional information. Being truthful in your application is crucial to ensure your beneficiaries receive the payout without issues.
GST waiver of 18% on the premiums, along with the 5% additional discount on the annual mode
Premiums are much more affordable than international term plans
Global coverage on pre-approved cover for family’s financial protection
Tele and video medicals remove the hassles of travelling back to India for easy issuance of the policy
Special exit benefit allows you to exit the plan early and receive all the premiums back at the termination of the policy
Here is how you can buy term life insurance for NRIs from Indian insurers:
Step 1: Visit the term insurance for NRI page of Policybazaar
Step 2: Enter the required details like name, gender, and contact information
Step 3: Fill in your smoking habits, occupation type, annual income, and educational background
Step 4: Choose the most suitable term life insurance for NRI and proceed to pay
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
Getting a life insurance quote is a key step in planning for
Read more
Life insurance is a crucial financial tool that provides
Read more
Globe Life Insurance provides a variety of life insurance
Read more
TruStage Life Insurance provides personalized coverage options
Read more
Variable life insurance is a type of permanent life insurance
Read moreInsurance
Calculators
Payment Methods
Secured With
Follow us on
