Instant underwriting

Ethos Life

  • Financial Strength Not rated directly
  • IUL Experience 2 years
  • Policy Portfolio 1 products
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Founded
2016
Assets
Insurance agency (not carrier)
AM Best
Not rated directly
Participating
110%
Financial Strength Ratings
AM Best Not rated directly
S&P Not disclosed
Moody's Not disclosed

Product Benchmarks

Typical Cap Range
Min: 8% | Max: 10% | Current average: 9%
Participation Rates
Min: 100% | Max: 120% | Current average: 110%
Typical Fees
Coi range: Moderate | Admin fee: Standard | Premium load: Standard

About Ethos Life

Partners with Ameritas for Ethos IUL
90%+ instant decisions
Entirely digital platform

Company Profile

Headquarters
San Francisco, California
Founded
2016
Years in IUL
2 years
Assets Under Management
Insurance agency (not carrier)
Minimum Premium
$3,600 annual
Issue Ages
20-65
Underwriting Speed
Instant (90%+)
Website
www.ethoslife.com

Financial Ratings

AM Best Not rated directly
S&P Not disclosed
Moody's Not disclosed

These ratings indicate excellent financial strength and claims-paying ability.

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Official Website

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IUL Policies from Ethos Life

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Personalized Planning

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Frequently Asked Questions

Ethos Life currently offers 1 IUL solutions that balance growth potential with downside protection. Our specialists will help you match product features to your retirement or legacy goals.

Ethos Life maintains strong independent ratings including AM Best Not rated directly, demonstrating resilient balance sheet strength and consistent claims-paying ability.

Instant underwriting | Digital platform | Ameritas partnership

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