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.
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.
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.
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:
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.