What other restrictions are there?

We’re stating the obvious here, but you can’t (i) spam people sending your link in bulk or by sending it to strangers, or (ii) distribute or publish your referral link to a social media site to try to crowd-source referrals. When referring a friend, you can tell them about Ethos and that we offer a great term life insurance product, but you should not discuss any details of the policies, coverage amounts, or rates. You also cannot pay a friend to apply for coverage or pay anyone to help you solicit referrals.