The terms of our referral program make clear that the customer can only refer their friends, family members, or colleagues whom they personally know. The program explicitly prohibits:
This Program only applies to Legal & General America/Banner Life, and Ameritas.
At Ethos, we always aim to do the right thing and comply with all laws, so we’re not able to provide referral rewards to anyone who violates these terms. These guidelines are here to help the customer avoid violating any laws while sharing Ethos. So please don’t violate these rules, because insurance fraud is serious, and we don’t want anyone committing felonies.