top of page
Direct Access Markets
1-800-485-0229
Life Insurance meets InsurTech.
Writing Life Insurance faster, easier, & smarter.
With Ethos, your clients can now quote & issue their own policies.
Agencies can sell through the normal face to face sales process, or in a digital fashion on the
web without ever meeting a customer.
Fast
The online application process can take just minutes to complete. Most applicants are approved without a medical exam or a doctor’s visit and can get coverage the same day.
Flexible
10, 15, 20, or 30-year terms are available and policyholders can seamlessly adjust their policy value or premium payment up and down by either selecting from recommended packages or using a needs analysis tool to choose a policy.
Zero Case Management
The program automates and handles all billing, follow-ups, or necessary medical exams. All agents have to do is get applications submitted and watch their commissions roll in.
Underwritten Instantly
Proprietary technology and underwriting capabilities enable customers to be underwritten instantly in some cases and receive competitive prices. It’s a win-win for customers and agents.
No Medical Exams
No medical exams up to age 65 for policies up to $1 million.
Dependable
Backed by carriers with over 120 years of experience and rated A+ (Superior) by AM Best. There is a 30-day money-back guarantee if a client changes his or her mind.
bottom of page