# Ethos - Insurance & Wills — An Ethos Technologies company

> Life insurance and estate planning platform for family protection and legacy management. (iPhone/iPad app by Ethos Technologies Inc.)

- Source: https://appshunter.io/ios/app/ethos-insurance-and-wills/id1178116846 (this page in markdown: same URL + `.md`)
- Developer: [Ethos Technologies Inc](https://appshunter.io/developer/1465940881)
- Category: Finance, Productivity
- Price: Free
- Rating: 4.60/5 from 6,681 App Store ratings · 97 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 38 MB
- Languages: American English
- Released: 2017-07-17
- Data updated: 2026-08-20
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/ethos-insurance-and-wills/id1178116846/reviews.md

## What is Ethos?

Protect Your Family’s Future in Minutes
Stop putting it off. Ethos is the modern, all-in-one platform that combines Life Insurance and Estate Planning into a single, seamless experience. No medical exams, no weeks of waiting, and no expensive attorney fees. Just total peace of mind before your lunch break is over.

Why 100,000+ Families Trust Ethos
Life insurance should be a relief to have, not a burden to get. We’ve replaced the "old way" of doing things with smarter technology and a human-centric approach.
• Instant Decisions: Apply for term life insurance in minutes. Most people qualify with no medical exams or blood draws.
• Total Coverage: We go beyond the policy. Get integrated Wills and Trusts to ensure your legacy is handled exactly how you want.
• Legally Solid: Our estate planning tools are designed by attorneys and tailored to your specific state laws.
• Zero Pressure: No pushy agents, no stacks of paperwork. Just the protection you need, on your terms.

How It Works (It’s that simple)
1. Apply: Answer a few quick health questions in the app.
2. Get Covered: Receive an instant decision on your term life coverage.
3. Plan Your Legacy: Use our guided tools to create your Will or Trust at your own pace.
4. Finalize: Print, sign, and breathe easy. Your family is protected.

One App. Total Security.
• Affordable for All: We believe financial security is a right. Our competitive rates fit almost any budget.
• Guided Process: You don't need to be a lawyer or a financial expert. We walk you through every step.
• Secure & Private: Your data is encrypted and protected with bank-level security.

Don’t leave your family’s future to chance. Download Ethos today and check "Protect Family" off your list for good.

## Key features

- Instant life insurance decisions
- No medical exams required
- Integrated Wills and Trusts
- Attorney-designed estate planning tools
- Affordable rates
- Guided application process

## What do users think of Ethos?

Overall sentiment: neutral

**Pros**

- 🚀 Simple and easy to use
- 👍 Helpful for creating wills and estate planning
- 💡 Innovative app concept
- 🚀 Quick and efficient process
- 👍 Useful for blended families

**Cons**

- 🐛 Glitchy and buggy app
- 🔒 Privacy and security concerns
- 👎 Limited options for blended families
- 👎 Lack of accessibility for visually impaired users
- 👎 Forced communication with contacts

**Commonly reported bugs**

- Issues with saving life insurance policy information
- Problems with opening and accessing final documents
- Freezing and crashing on certain screens
- Incorrect display of relationship status
- Inability to delete or edit certain information

**Most requested features**

- Add option to leave assets to charities
- Improve customization options for asset distribution
- Integrate advanced directive functionality
- Provide different language options
- Add ability to easily edit and update information

## Recent user reviews (10 of 97)

All indexed reviews: https://appshunter.io/ios/app/ethos-insurance-and-wills/id1178116846/reviews.md

### 1/5 — Crash

*2026-08-16, version 7.3.3*

Filled in basic information then got a crash screen when going to the actual quote site. For ny specifically. Integrating systems is tough, but the app has one job, so…

### 1/5 — App

*2026-08-03, version 7.3.3*

I already have a policy and I can’t see it on the app. It wants to know if I want one

### 1/5 — Bank info before quote / cost

*2026-07-24, version 7.3.3*

you'll be required to enter everything under the sun regarding your health and including your banking information including account and routing numbers before you are ever shown any quote or cost.  show me the price then I'll decide if you need my bank info.

### 1/5 — App and website both erroring out

*2026-07-11, version 7.3.2*

Terrible experience. App and website have you answer a series of questions and at the end- it makes you wait forever for a result and ends up erroring out multiple times.

### 1/5 — Doesn’t work

*2026-07-09, version 7.3.2*

Nothing about this app works at all, in fact, I can’t even get into it because it will not recognize information that the website will. I’ve reached out to the Ethos team multiple times now and spent accumulative 20 hours on hold. They do not care, they will not help you, and there is nobody on the opposite side who can do anything at all really. I will be switching providers shortly. I’m pretty sure this entire thing is a scam.

### 1/5 — Not a fan of the App

*2026-04-10, version 7.3.1*

Useless app if you already have a policy

### 1/5 — Maybe it’s great 🤷🏽‍♂️

*2026-04-08, version 7.3.1*

I’m sure the app and service is great but I probably will never know. So they ask for a phone number to log in for estate planning, no Passkeys, no Authenticator, no email just a phone number. When I put in a phone number I get a prompt saying it “doesn’t match any account” Not only do they use the most spoofable spammed account possible but then it doesn’t work. If they spent just a little bit of that ad money on User Experience . . .

### 1/5 — Garbage

*2026-03-29, version 7.3.1*

The app is hot garbage and as others point out the trial is a scam.  Also once you finalize stuff, I for the life of me can’t figure out how to download load the documents to notarize

### 1/5 — Pointless

*2026-03-02, version 7.3.1*

The app never lets me view my account. It just treats me like I’m a new customer and asks questions related to getting a quote. Absolutely useless for current customers.

### 5/5 — Ethos - Life Insurance

*2026-02-20, version 7.2.8*

Great app. Does what it says and easy to navigate. Would recommend for people interested in getting their life insurance policy done simply.

## Frequently asked questions about Ethos

### What does the Ethos app do?

The Ethos app is a comprehensive platform designed to simplify life insurance applications and estate planning. It allows users to apply for term life insurance quickly, often without medical exams, and provides guided tools to create legally solid Wills and Trusts.

### How does the life insurance application process work?

The process involves answering a few quick health questions within the app. You can then receive an instant decision on your term life coverage. Many applicants qualify without the need for medical exams or blood draws.

### What are the costs associated with using Ethos?

The app offers competitive rates for life insurance, aiming to be affordable for most budgets. While the application and guided planning tools are accessible, specific costs for insurance policies and any premium services would be detailed during the application process.

### Is the estate planning information legally sound?

Yes, the estate planning tools, including Wills and Trusts, are designed by attorneys and tailored to your specific state laws. This ensures that your legal documents are robust and legally binding.

### Who is this app best suited for?

This app is ideal for individuals who want to protect their family's future without the traditional complexities and delays. It's designed for those seeking an efficient, modern, and affordable solution for both life insurance and estate planning.

## Version history (last 5 releases)

### 7.3.3 — 2026-07-22

Bug fix for W&T document download.
Package updates.

### 7.3.2 — 2026-05-05

Additional disclosure footer for the home page

### 7.3.1 — 2026-02-23

Updated description.
Updated screenshots.
Fixed bugs.

### 7.2.8 — 2024-02-01

Bug fixes and improvements.

### 7.2.7 — 2022-10-12

Bug fixes and improvements.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-20.*