Our Life Insurance Carriers

We work with the best in the business

Ethos has joined forces with some of the industry’s top carriers to make life insurance and accidental death 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, TruStage™ Financial Group, Inc., Ameritas Life Insurance Corp., Mutual of Omaha, and John Hancock. 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 established insurance companies that have paid billions of dollars in claims. Check out a few of our carriers below.

Legal & General America

We offer fully underwritten and simplified issue term policies insured by Banner Life Insurance Company, a Legal & General America company. Legal & General America (LGA) has been helping protect people for more than 70 years, with 1.4M US customers, and $105B in new coverage issued in 20231. LGA has achieved strong ratings according to several independent financial strength measures.

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.

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.

TruStage™

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 and MEMBERS 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 March 2021* 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 March 2021* by Strong S&P Global, which demonstrates a strong capacity to meet its financial commitments. The“A” insurer financial strength rating ranks fifth highest out of 21.

Moody’s Investors

Rated A2 (Stable) as of March 2021* 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 2/28/2024. (Standard & Poor’s rating applies to Ameritas Life Insurance Corp. and Ameritas Life Insurance Corp. of New York.)

Excellent Rating AM Best Company

Ameritas holds an A (Excellent) for insurer financial strength. This is the third-highest of AM Best’s 13 ratings. Rating is as of 5/15/2024.

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.

Mutual of Omaha

We work with Mutual of Omaha to offer accidental death insurance with guaranteed coverage. A pioneer in the insurance industry, founded in 1909. A solid, family-oriented company that’s reliable, trustworthy, knowledgeable, and caring, with over 5.7 million policies in force. Mutual of Omaha has achieved strong ratings from three major rating services.*

Superior Rating AM Best Company

Mutual of Omaha has an A+ (Superior) rating from AM Best Company for overall financial strength and ability to meet ongoing obligations to policyholders. AM Best Company provides independent ratings of a life insurance company’s financial strength. The A+ rating is the second highest of 16.

Moody’s Investor Service

Mutual of Omaha has an A1 (Good) rating with Moody’s Investor Service, a leading provider of credit ratings. This rating is for current financial strength and ability to withstand financial stress in the future. The A1 rating is the fifth highest Service of 21.

S&P Global

Mutual of Omaha has an A+ (Strong) rating with S & P Global. This rating is for having the financial strength to meet obligations to policyholders. The A+ rating is the fifth highest of 21.

John Hancock Life Insurance Company (U.S.A.)

We partner with John Hancock Life Insurance Company (U.S.A.) to offer simplified issue return-of-premium term life insurance. This product is designed to be quick and straightforward, requiring no medical exam, and is available through our agent network. John Hancock’s mission is clear: helping customers live longer, healthier, and better lives™. Since 1862, they have been issuing life insurance and consistently receive top ratings for financial strength.

A.M. Best

(2nd highest of 13 ratings) Superior ability to meet ongoing insurance obligations.

Standard & Poor's

(4th highest of 21 ratings) Very strong financial security characteristics.

Moody's

(5th highest of 21 ratings) Obligations are subject to low credit risk.