Ethos at a Glance

  • Ethos is an online service that allows you to get a life insurance plan in as little as 10 minutes.
  • Ethos offers term and whole life insurance plans, meaning you’ll be able to pick and choose what’s best for you.
  • In order to get the plan you simply need to head to Ethos’s site and fill in the questions that are asked.
  • There are four different versions of the plan: guaranteed issue (available for anyone 45-80), Simplified issue (available after answering 8 health questions), Simplified issue Final Expense (available after answering 9 health questions, mostly used to cover funerary costs), and Term Plans (available after answering a medical questionnaire).
  • Click HERE to get a quote.
  • To enroll, head to this site and click “Get my Rates,” and then follow the prompts on the screen.

Ethos’s main draw is the ease to sign up. By heading to their site, you can find a good plan and get a quote in as little as ten minutes, and probably have coverage in 1-2 business days (depending on your plan).


Ethos is also nice because there are so many different options and coverage levels that you opt in for based on how much information you share during the questionnaire.


Ultimately, this plan is great for just about anyone since it is so customizable and since getting a quote is free. If you’re in the market for life insurance, there’s no reason not to check Ethos out!


Is Ethos right for me?

Since Ethos is customizable and generates plans based on the answers to your questionnaire, it’s hard to answer this question. I think, at the end of the day, if you’re in the market for life insurance this is a great place to at least check. You can also schedule a call with our life insurance experts and they can chat with you about your options as an SDPEBA member.


How do I enroll?

To enroll, click here, fill in the information, then click “Submit a Request,” after that you’ll just need to follow the prompts on the screen.

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About Us

The San Diego Public Employee Benefit Association is a partnership of unions and associations designed to help reduce costs, improve benefits, and enhance support for San Diego’s public employees. We’re here to answer your questions and help make sure you get the most out of your benefits while also advocating for you directly to the provider to make sure you get the best experience possible.