Share Ethos. Get rewarded.

As many people as you want! There’s no limit. However, there is a limit on the rewards we can give you, and that's $100 per year. Also, you may not 1) spam strangers with your link or 2) distribute or publish your link to a social media platform to crowdsource referrals. When telling friends about Ethos, you should not discuss the details of the policies, coverage amounts, or rates. You also cannot pay anyone to apply for coverage or pay anyone to help you solicit referrals.

Anyone you think may benefit from life insurance, as long as they meet our general eligibility requirements. All U.S. citizens and permanent residents between the ages of 20 and 85, and who live in a state where we operate, can apply. Ethos is licensed and operates in all 49 US states and the District of Columbia, excluding the state of New York.

The terms of our referral program make clear that you can only refer your friends, family members, or colleagues whom you personally know. The program explicitly prohibits:

• Posting referral codes on any website to share the codes with people you do not personally know
• Paying someone to apply to Ethos for coverage
• Creating multiple or fake accounts with Ethos
• Using bulk distribution or spam email to strangers
• Referring a person more than once
• Encouraging people to submit inaccurate information in their application to get approved (this is insurance fraud, which may be prosecuted as a felony)