Sell life insurance online with Ethos

Sell term policies fast – with no case management, competitive commissions, and almost no medical exams. Add the latest digital technology to your business today.
independent agent
Your role at your agency
Number of life policies your agency sells per month
Number of producers at your agency
Sell life insurance the easy way, with zero case management, competitive commissions, and streamlined sales.
How it works
1
Sign up
Join Ethos and our agent network for free by clicking “Get Started” and completing the sign up questions.
2
Sell policies
Use the Ethos agent portal to get quick quotes and submit policies.
3
Get paid
Automatically receive your commissions and incentives every month.
Why Ethos?
Our Ethos

We operate with honesty and integrity. Our customers are unique, and so are their coverage needs. We know that in many cases, more coverage isn’t better. Our top priority is finding the right coverage at an affordable price for each customer we serve. That’s how we roll.

The benefits

Ethos is quite similar to an MGA- we’re an underwriter, BGA, and a third-party administrator for Legal & General, America also known as Banner Life. When you partner with Ethos:

  • You get exclusive access to our proprietary Banner Life policies for your customers. These products are not sold through any channel besides Ethos.
  • Our free platform helps you quickly provide quotes for multiple coverage amounts and term lengths
  • Our software also allows you to track your customers’ policies, and most importantly your commissions.
Sell a product customers love
Ethos makes it easy to get fast, competitively-priced coverage. The policy practically sells itself.
fast
Fast online application
It only takes about 10 minutes to complete the application. Most applicants don’t even need a medical exam.
instant
Instant underwriting
Our proprietary technology and underwriting engine enable customers, in many cases, to receive decisions instantly.
money
Flexible, affordable options
Ethos offers a wide range of coverage options, so you can design a policy that gives your customers the financial support they want at a price that works for them.
Our industry leading partner: Legal & General, America

Every policy we offer is issued 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. LGA has achieved superior ratings according to several independent financial strength measures.

Rated "Excellent"
94 Comdex score
Comdex score
A Comdex score is a composite of all the financial strength ratings a company has received, ranging from 0-100.
AA-- rating
Very Strong S&P Global
S&P has rated the financial strength of insurance companies for over 40 years.
A+ rating
Superior Rating A.M. Best
A.M. Best provides independent ratings of a life insurance company’s financial strength.
Agent qualifications

To sell policies offered by Ethos, you must have a valid life insurance license and proof of E&O.

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See why so many agents love working with Ethos
The platform is awesome...
and everything is working perfectly so far. A policy I submitted got issued on the same day—I am impressed. I even got quick responses on a Saturday so I feel massive support as an agent.
Stacey
These monthly incentives are HUGE!
I can’t believe I got $1,000 for each policy on top of my commission. My only question is how can I do more?
David
I love the 100% digital platform.
I haven’t been able to meet clients face-to-face so completing applications online and generally bypassing the exam has been a lifesaver.
Tim
The platform is awesome...
and everything is working perfectly so far. A policy I submitted got issued on the same day—I am impressed. I even got quick responses on a Saturday so I feel massive support as an agent.
Stacey
These monthly incentives are HUGE!
I can’t believe I got $1,000 for each policy on top of my commission. My only question is how can I do more?
David
I love the 100% digital platform.
I haven’t been able to meet clients face-to-face so completing applications online and generally bypassing the exam has been a lifesaver.
Tim
I sold 10 policies in my first month.
I just sent 1 email to my personal-line clients that didn’t have life insurance… I was shocked it made my quarter.
John
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