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.
carriers
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., TruStage® Financial Group, Inc., Senior Life Insurance Company and Mutual of Omaha. 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 out billions of dollars in claims. Check out a few of our carriers below.

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.

LGA A+ rating
94
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.
AA--
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.
A+
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.
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:

Trustage
A
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.
A+
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.
A2
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.

NA
A+
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.)
A
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+
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. MoO has achieved strong ratings from three major rating services:

MoO
Superior Rating A.M. Best
Superior Rating A.M. Best
Mutual of Omaha 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. The rating reflects MoO’s very strong balance sheet strength and its operating performance.
Moody’s Investors
Moody’s Investors
Rated A1 (Strong) as of January 2020* by Moody’s Investors, a leading provider of credit ratings. The A1 rating ranks fifth-highest out of 21 ratings and demonstrates a low credit risk.
Strong S&P Global
Strong S&P Global
Rated A+ for financial strength as of January 2020* by Strong S&P Global, which demonstrates a strong capacity to meet its financial commitments. The“A” insurer's financial strength rating ranks fifth highest out of 21.
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*Ratings: A.M. Best, Moody’s and S&P ratings apply to CMFG Life Insurance Company and its subsidiary, MEMBERS Life Insurance Company.

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

TruStage® Insurance products and programs are made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company, MEMBERS Life Insurance Company, and other leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any depository institution. Products and features may vary by state. All guarantees are based on the claims-paying ability of the insurer. GEN-3924890.2

*Mutual of Omaha 2019 year-end financial data