Ethos burial insurance
Ethos is not an insurance company. It is a technology platform that sells policies issued by other carriers, and understanding that is most of what you need to know before buying one.
Rating read from AM Best on 2 September 2026. AM Best calls A excellent: a strong ability to meet obligations to policyholders. How we check ratings.
The verdict
Good if you want to buy without speaking to anyone. The policy itself is Ameritas paper, so the financial strength is Ameritas financial strength, and the question worth asking is simply whether the price beats what an agent can find you across the whole market.
What is good and what is not
In its favour
- Genuinely quick, entirely online, no phone call
- Backed by an A rated insurer
- No medical exam
Against it
- One set of products rather than a comparison across carriers
- A decline on the platform ends the process, where an agent would re-run it elsewhere
- The brand you buy from is not the company carrying the risk, which is not always made obvious
How it treats your health
Automated simplified issue underwriting through the platform, on the issuing carrier rules.
What it actually sells
Term and whole life policies issued on partner carrier paper, with Ameritas behind the whole life product.
The waiting period
No waiting period for applicants who pass the health questions.
This is the single most misunderstood thing in this market, and it is where most people get sold the wrong policy. Our full explanation is in burial insurance with no waiting period.
What moves the price
Age, sex, tobacco, face amount and state, on the issuing carrier rate card.
Why there is no price on this page
We hold no rate tables, so any premium printed here would be invented. On a licensed site that is a compliance problem rather than a helpful touch. The honest number comes from running your age, state, health answers and coverage amount against the 25+ companies the agency can write, which takes a few minutes.
See what Ethos would actually cost you
Six questions, about a minute. We run them across every company we can write, including this one, and come back with real prices. A typical burial runs $15,395 once the cemetery is included, so that is the number worth covering.
Get my quotes (786) 818-0383Talk to one of our licensed agents
Questions people ask about Ethos
Who actually underwrites an Ethos policy?
A partner insurer, with Ameritas behind the whole life product. Ethos handles the technology, the application and the customer experience. The insurer carries the risk and pays the claim, which is why the rating shown here is the insurer rating.
Compare it against the rest
One carrier is never the answer for everybody, because they disagree about health. The full scorecard shows every company we can write, with the verified AM Best grade and the date we read it.