What talking points highlight Ethos’ carrier backing, financial strength, and claims-paying ability?

What talking points hig

When clients ask, "Is my policy safe with Ethos?" it is important to clarify that while they are buying through a modern tech platform, their protection is backed by some of the oldest and most financially stable institutions in the world.

Here are the key talking points to build trust and demonstrate financial strength:

1. The "A-Rated" backing

Ethos only partners with carriers that hold Superior (A+) or Excellent (A) ratings from A.M. Best, the gold standard for insurance financial strength.

Banner Life Insurance Company (Legal & General America): Established in 1949, they hold an A+ (Superior) rating and serve over 10 million customers worldwide.
Ameritas: Founded in 1887, they hold an A (Excellent) rating and are a mutual-based company, meaning they answer to policyholders, not shareholders.
TruStageⓇ: Backed by CMFG Life Insurance, established in 1935, they hold an A (Excellent) rating and protect more than 20 million families.
North American: Since 1886, they have maintained an A+ (Superior) rating and a history of fulfilling commitments through every major economic cycle.

2. Reinsurance: Double-layered protection

Explain that Ethos policies are often backed by a second insurer behind the scenes.

For example, Ethos policies through Banner Life are reinsured by Munich Re, which was founded in 1880 and is one of the world’s leading reinsurers with its own A+ (Superior) rating.

3. Claims-paying ability

Address the "will they pay?" concern by focusing on the legal structure of the contract.

Legal obligation: Ethos is the Third-Party Administrator (TPA), they handle the technology and service. However, the carrier is the legal entity that holds the reserves and is contractually obligated to pay the claim.
Speed of payout: Because of Ethos’s digital integration, many "clean" claims (those outside the 2-year contestability window) are processed in as little as 24-48 hours, significantly faster than the industry average of 30+ days.
Success track record: Combined, Ethos’s carrier partners have paid out billions of dollars in death benefits over the last 100+ years.