Life Insurance and COVID-19 Guide
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Does Coronavirus (COVID-19) impact life insurance?
Coronavirus won't impact life insurance policies already in force, and coverage still applies to deaths due to COVID-19.
Regardless of your history with COVID-19, new life insurance applications are welcome with Ethos online. You must be honest on your application about past and future travel plans as well as your current health status.
Affordable life insurance policies
Does life insurance cover COVID-19?
Yes, the life insurance policies that Ethos sells cover coronavirus (COVID-19). Although the coronavirus isn't explicitly mentioned in the policy contract, death from a pandemic isn't considered exclusionary of our term life insurance policies.
This still holds true even if you've traveled recently or you've been exposed to someone with the virus. Once a policy is in force, life insurance companies cannot change your health classification or premium.
Do I still need a medical exam to get life insurance during the pandemic?
Ethos customers don't need to undergo a medical exam as part of their application process. Therefore, our ability to provide most applicants with coverage hasn't been impacted.
Will life insurance premiums increase due to coronavirus?
The coronavirus isn't impacting life insurance rates. We aren't treating this differently than we would any other illness.
COVID-19 showed that our communities were unprepared for the unexpected, which can also serve as a reminder for our personal lives. If you haven't already, now is the time to ensure that your family is financially prepared for the future, and life insurance is a crucial way to plan. With Ethos, you get the added benefit of completing your life insurance application from the comfort of your home.
Ethos wants to help
We know you've got questions about life insurance, so we did our best to provide context and clarity in our ever-changing world. Our customer service team is standing by ready to help if you need more answers about life insurance.