Ethos Life offers easy-to-get life insurance policies you can buy online without medical exams, including term life, whole life, and final expense insurance. They make it simple with quick online applications and allow you to choose coverage amounts and terms that fit you. Payments are usually monthly and can be automatically charged to your bank account or credit card, which is likely why you might see a subscription-style billing from them. If you cancel within the first 30 days, you can even get a full refund.
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The process is relatively straightforward as cancellation involves simply calling or emailing Ethos Life to request a surrender form to sign electronically, with no cancellation fees involved. The main potential delay is waiting for the form and processing but overall it is an easy process compared to many subscription cancellations.
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How to Cancel Ethos Life: Step by Step
If you purchased through Ethos Life:
- Contact Customer Support
- Call Ethos Life at (888) 384-6754 from 8am-6pm CST.
- Alternatively, email support@ethoslife.com to request cancellation.
- Request Surrender Form
- Ask the customer service representative or in your email for a surrender form to sign electronically.
- Complete the Surrender Form
- Fill out the form as instructed and return it as directed.
- Confirmation of Cancellation
- Wait for a confirmation of cancellation from the Ethos Life team.
Tips & Tricks for Canceling Ethos Life
- Start cancellation requests via multiple channels: Email, phone calls, and any available online forms simultaneously to ensure acknowledgement.
- Follow up persistently: Make multiple contact attempts over several days; persistence is key due to slow or unresponsive customer service.
- Use firm and clear language: State explicitly your intent to cancel immediately and request written confirmation to avoid misunderstandings.
- Leverage the "free look period": Cancel within the window (usually 10-30 days) to get full refunds if applicable.
- Save all correspondence: Keep copies of all emails, messages, and call logs as proof of your cancellation attempts.
- If needed, escalate formally: Use complaint portals like Better Business Bureau or file a complaint if service fails to respond or acts in bad faith.
- Time your cancellation requests carefully: Avoid billing cycle renewal dates to prevent unwanted charges.
- Watch for trial period fine print: Sometimes cancellation requires using a specific link in the original welcome email, which may not be resent, so keep it saved.
- Insist on refunds where justified: If charged after cancellation attempts, firmly dispute charges referencing your cancellation requests and consumer rights.
- Be aware of potential delays: Cancellation processing may take time; prepare for possible phone call callbacks or final confirmation delays.
Ethos Life Customer Service Info
If you need assistance, here's how you can get in touch with Ethos Life's support team.
Cancel Ethos Life Script
Script
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Hello Ethos Life Team,
I hope this message finds you well. I am writing to request the cancellation of my subscription, as I have found that my current financial situation requires me to reassess my expenses. I appreciate the services provided thus far, but I believe it is best for me to discontinue my subscription at this time.
Please confirm the cancellation and any necessary next steps I should be aware of. Thank you for your understanding and assistance.
Best regards,
Frequently Asked Questions
Ethos Life's cancellation policy allows you to cancel your policy by calling or emailing to request a surrender form to sign electronically, with no cancellation fees involved. They offer a 30-day money-back guarantee, providing a full refund if you cancel within the first 30 days. After that period, you may cancel at any time without any additional fees or penalties.
To cancel your Ethos Life subscription, you do not need your password. You can simply call or email Ethos Life to request a surrender form which you will sign electronically. Once they receive your signed form, they will cancel your policy without any cancellation fees. If you do need to reset your password for other reasons, you can usually do so on their login page, but for cancellation, no password is required.
- Financial Changes: Increased income, decreased expenses, or improved financial stability making the original coverage excessive or unnecessary.
- Policy Redundancy: Having additional life insurance policies from other providers or employer plans that make the Ethos policy redundant.
- Change in Family Structure: Life events such as marriage, divorce, birth of a child, or children becoming financially independent, altering coverage needs.
- Health Improvements: Significant health improvements prompting a search for more cost-effective insurance options or reduced coverage requirements.
- Better Insurance Offers: Finding better or more tailored life insurance options from other providers.
- Financial Hardships: Unforeseen financial difficulties or changes in employment status leading to budget reassessment and the need to cut costs, including insurance premiums.
Ethos Life offers a 30-day money-back guarantee where you can cancel your policy for a full refund. After 30 days, you can cancel your policy anytime without any cancellation fees or penalties by calling or emailing them and signing a surrender form electronically. There are no contracts, lock-ins, or early-cancellation fees to worry about, but keep in mind that you generally won't receive premiums back beyond the 30-day refund period and the cancellation process requires a surrender form.
Before cancelling your Ethos Life subscription, know that you can cancel anytime without any cancellation fees by calling or emailing Ethos Life and signing a surrender form electronically. You lose access to your life insurance policy and all its benefits upon cancellation. There is a 30-day money-back guarantee, meaning if you cancel within the first 30 days, you will receive a full refund. After 30 days, cancellation is allowed anytime but without a refund. Missing payments results in a 31-day grace period before the policy lapses.
- Policy number
- Personal identification information (e.g., name, address, and date of birth)
- Contact information (your phone number and email)
- Signed electronic surrender form (which must be requested from Ethos Life)
- Reason for cancellation (if required by Ethos)
- Relevant policy documents (to verify your identity and entitlement to cancel)
- Confirmation of cancellation request (keep written or emailed proof)
We've actually written a step by step guide on how to get a refund from Ethos Life. Check it out!
The Easiest Way to Cancel Ethos Life
If you’re frustrated trying to cancel your subscription, membership, or bill from Ethos Life—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
Start reclaiming your money today with Chargeback
What Are Some Alternatives to Ethos Life?
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Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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