Ethos Life vs Transamerica Life Insurance Company
Comprehensive side-by-side comparison of indexed universal life insurance companies
Ethos Life
Founded: 2016
San Francisco, California
Assets
Insurance agency (not carrier)
IUL Experience
2+ years
Products
1
Avg Cap Rate
9%
Key Strengths
Partners with Ameritas for Ethos IUL
90%+ instant decisions
Entirely digital platform
Transamerica Life Insurance Company
Founded: 1904
Cedar Rapids, Iowa
Assets
$223 billion in premiums in force; $29.5 billion AUM
IUL Experience
20+ years
Products
2
Avg Cap Rate
12.00%
Key Strengths
High cap rates (12% on flagship product)
Uncapped options with high participation rates
Superior living benefits offerings
12.5 million insurance policies in force
Over 120 years of history
Detailed Feature Comparison
| Feature | Ethos Life | Transamerica Life Insurance Company |
|---|---|---|
| Founded | 2016 | 1904 |
| Headquarters | San Francisco, California | Cedar Rapids, Iowa |
| Assets Under Management | Insurance agency (not carrier) | $223 billion in premiums in force; $29.5 billion AUM |
| Years in IUL Business | 2+ years | 20+ years |
| Number of IUL Products | 1 | 2 |
| Typical Cap Rate Range | 8% - 10% | 9.50% - 14.00% |
| Participation Rates | 110% | 150% |
| Minimum Premium | $3,600 annual | $3,600 annual |
| Issue Ages | 20-65 | 0-85 years |
| Underwriting Speed | Instant (90%+) | 2-4 weeks standard |