Ethos Life vs State Farm
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
State Farm
Founded: 1922
Bloomington, Illinois
Assets
$200 billion+
IUL Experience
0+ years
Products
0
Avg Cap Rate
N/A
Key Strengths
Does NOT offer IUL
Offers universal life with 3% minimum interest
Detailed Feature Comparison
| Feature | Ethos Life | State Farm |
|---|---|---|
| Founded | 2016 | 1922 |
| Headquarters | San Francisco, California | Bloomington, Illinois |
| Assets Under Management | Insurance agency (not carrier) | $200 billion+ |
| Years in IUL Business | 2+ years | 0+ years |
| Number of IUL Products | 1 | 0 |
| Typical Cap Rate Range | 8% - 10% | N/A - N/A |
| Participation Rates | 110% | N/A |
| Minimum Premium | $3,600 annual | N/A |
| Issue Ages | 20-65 | N/A |
| Underwriting Speed | Instant (90%+) | N/A |