Ethos Life vs Mutual of Omaha 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
Mutual of Omaha Insurance Company
Founded: 1909
Omaha, Nebraska
Assets
$42 billion (Fortune 500)
IUL Experience
15+ years
Products
3
Avg Cap Rate
10%
Key Strengths
12% cap rates (among highest in industry)
Industry-leading policy structure for cash value growth
Streamlined fees during 0% floor years
Fortune 500 company
116+ years of history
Detailed Feature Comparison
| Feature | Ethos Life | Mutual of Omaha Insurance Company |
|---|---|---|
| Founded | 2016 | 1909 |
| Headquarters | San Francisco, California | Omaha, Nebraska |
| Assets Under Management | Insurance agency (not carrier) | $42 billion (Fortune 500) |
| Years in IUL Business | 2+ years | 15+ years |
| Number of IUL Products | 1 | 3 |
| Typical Cap Rate Range | 8% - 10% | 7% - 12% |
| Participation Rates | 110% | 100% |
| Minimum Premium | $3,600 annual | $100,000 (IUL Express Easy Solve option) |
| Issue Ages | 20-65 | 0-85 years |
| Underwriting Speed | Instant (90%+) | 2-3 weeks standard |