What are the key differences between Ladder and Ethos life insurance?

Ladder and Ethos both sell life insurance without a medical exam, but they differ in structure. Ladder offers 10- to 30-year term policies to applicants ages 20 to 60, with no exam on its standard term policies and coverage limits reaching into the millions. Ethos spans several no-exam tiers: accelerated underwriting term at the high end, and guaranteed issue policies with no health questions, capped at modest amounts, which usually carry a graded death benefit of two to three years.