Share Ethos. Get rewarded.

Get a $50 Amazon gift card for each person who applies using your referral link and gets approved.
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Here's the deal
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Share your link
Share your unique referral link with friends and family–anyone you think may benefit from life insurance, as long as they meet our general eligibility requirements.
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Get $50
When they apply using your link and get approved for a Legal & General America/Banner Life, or Ameritas Life Insurance Corp. policy, you’ll get a $50 Amazon gift card delivered to your inbox.
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There’s no limit on the amount of friends and family you can refer to Ethos. There is a limit on how much we can pay you for it though, and it's $100.
Who should I refer?
Anyone you personally know who could benefit from life insurance coverage, especially someone who falls into one of the following categories.
Two life partners embracing
Married couples
Every person who's married should consider having coverage to protect their better half.
A child's mobile
If they've got kids, they've got things like college tuition to protect.
House keys
Mortgages and other home-related expenses are no joke.
An older individual
If someone like an elderly parent relies on them for financial support, they need coverage.
Frequently asked questions
How many people can I refer?

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.

Who can I refer?

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.

Who can’t I refer?

You cannot refer yourself, any fake accounts, or the same person more than once. You cannot refer anyone you do not personally know.

Where’s my Amazon gift card?

All gift cards are sent out every Friday. If someone you know applies using your link, your gift card will be delivered to your email inbox the Friday after they submit their application. If more than a week has passed since they applied, reach out to

Got more questions?

Feel free to email with any questions.

The (important) fine print

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)

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 you 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.