We work with the best in the business
Ethos has joined forces with some of the industry’s top carriers to make life insurance accessible, affordable, and reliable. Here’s how.
How does Ethos work with life insurance carriers?

As a licensed producer and third-party administrator, Ethos works with some of the industry's top life insurance carriers to sell reliable policies, including Legal & General America, Ameritas Life Insurance Corp., AAA Life Insurance Company, and TruStage®. Ethos has streamlined the application process with predictive modeling and proprietary technology to make it easier for customers, and we leave the actual insuring to the industry giants that have paid out billions of dollars in claims.

Legal & General America

We offer both fully underwritten and simplified issue term policies insured by Legal & General America (LGA), a top-rated life insurance company. Legal & General America has issued over a million policies in the U.S. for more than 70 years and currently has $734 billion of coverage in force (Year-end 2019). LGA has achieved superior ratings according to several independent financial strength measures.

Comdex Score
LGA has a Comdex score of 94. A Comdex score is a composite of all the financial strength ratings a company has received, ranging from 0-100.
Very Strong S&P Global
LGA holds an AA- (Very Strong) rating from S&P Global for insurer financial strength. S&P has rated the financial strength of insurance companies for over 40 years.
Superior Rating A.M. Best
LGA has an A+ (Superior) rating from A.M. Best for insurer financial strength. A.M. Best provides independent ratings of a life insurance company’s financial strength.
AAA Life

We offer guaranteed issue whole life policies insured by AAA Life, a top-rated life insurance company. AAA Life has over $163.5 billion of life insurance in effect and has issued more than 1.4 million policies in the U.S. for 50 years. AAA Life has excellent ratings according to several independent rating services.

AAA life
CSAT Score
AAA Life holds a 95 CSAT (customer satisfaction) score. This means that 95% of customers were satisfied (or better) with their experience with AAA Life.
Excellent Rating A.M. Best
AAA Life Insurance Company has an A.M. Best rating of A (Excellent). A.M. Best provides independent ratings of a life insurance company’s financial strength.
A+ Rating from the BBB
AAA Life holds an A+ rating from the Better Business Bureau (BBB). The BBB is a nonprofit organization focusing on marketplace trust and product quality.

We work with TruStage to offer term and whole life insurance designed to be quick and simple, with no medical exam required. TruStage is made available by CMFG Life Insurance Company, a trusted name that has served more than 20 million people for over 80 years.

CMFG Life consistently receives excellent ratings from the major credit rating agencies:

Excellent Rating A.M. Best
Rated “A” (Excellent) as of February 2020 by A.M. Best for its financial stability and operating performance. An “A”rating is the third-highest of 16 ratings awarded by A.M. Best.
Strong S&P Global
Rated A for financial strength as of September 2019 by Strong S&P Global, which demonstrates a strong capacity to meet its financial commitments. The ‘A’ insurer financial strength rating ranks sixth highest out of 21.
Moody’s Investors
Rated A2 (Stable) as of March 2019 by Moody’s Investors, a leading provider of credit ratings. The A2 rating ranks sixth-highest out of 21 ratings and demonstrates a low credit risk.
Ameritas Life Insurance Corp.

We work with Ameritas Life Insurance Corp. to offer simplified term life insurance without medical exams. Ameritas (Est. 1887) is a top-rated insurer that serves millions of customers nationwide.

Strong S&P Global
A+ (Strong) for insurer strength. This is the fifth highest of Standard & Poor’s 21 ratings assigned. Rating is as of 3/6/2020. (Standard & Poor’s rating applies to Ameritas Life Insurance Corp. and Ameritas Life Insurance Corp. of New York.)
Excellent Rating A.M. Best
Ameritas holds an A (Excellent) for insurer financial strength. This is the third-highest of AM Best’s 13 ratings. Rating is as of 6/6/2020.
A+ Rating from the BBB
Ameritas is an accredited member of the Better Business Bureau (BBB) and holds an A+ rating. This is the highest rating given by the BBB, and indicates a superior level of trustworthiness and effort to resolve any customer concerns.
How does the approval process vary by carrier?
Different carriers and types of life insurance have different approval processes. Here’s how they break down by carrier:
  • Legal & General America: Most of our term life policies with LGA are fully underwritten. While most fully underwritten policies require applicants to fill out a full application and take a medical exam, we don’t require a medical exam from most applicants (just a few health questions are asked on the application). We also offer term policies through LGA that are simplified issue. Applicants who qualify for these policies will be asked a few health questions, but won’t need to have a medical exam.
  • AAA Life: Whole life policies with AAA Life are guaranteed issue. Applicants who meet the standards for this product will be guaranteed coverage, without needing to answer any health questions or take a medical exam.
  • TruStage: Our term life policies with TruStage are simplified issue. This means that applicants will be asked some health-related questions, but won’t have to take a medical exam.
  • Ameritas Life Insurance Corp.: Our term policies through Ameritas are simplified issue. Applicants will be asked some health-related questions, but don’t need to take a medical exam. With this simplified process, an application decision is instant.
  • Learn more about how it works
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Guarantees are based on the claims-paying ability of Ameritas Life Insurance Corp. Neither Ameritas Life Insurance Corp. nor its representatives provide tax or legal advice. You may want to consult your attorney or other tax professional for more information. In approved states, Ameritas Simplified Issue Renewable Term Life Insurance (form 3025) is issued by Ameritas Life Insurance Corp. In Oregon, policy form ICC20 3025 7-20. The product is not available in New York. Ameritas and Ethos Technologies Inc., are separate, independent entities. Unless otherwise specified, any person or entity referenced herein is not an affiliate of Ameritas or any of its affiliates.This information is provided by Ameritas®, which is a marketing name for subsidiaries of Ameritas Mutual Holding Company, including, but not limited to: Ameritas Life Insurance Corp., 5900 O Street, Lincoln, Nebraska 68510, and Ameritas Life Insurance Corp. of New York (licensed in New York), 1350 Broadway, Suite 2201, New York, New York 10018. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com.Ameritas® and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life® is a registered service mark of affiliate Ameritas Holding Company. © 2020 Ameritas Mutual Holding Company