We work with the best in the business

Ethos has joined forces with some of the industry’s top carriers to make life insurance accessible, affordable, and reliable. Here’s how.

How does Ethos work with life insurance carriers?

As a licensed producer and third-party administrator, Ethos works with some of the industry's top life insurance carriers to sell reliable policies, including Legal & General America, Ameritas Life Insurance Corp., TruStage™ Financial Group, Inc. life insurance issued by CMFG Life Insurance Company and MEMBERS Life Insurance Company, and Senior Life Insurance Company. Ethos has streamlined the application process with predictive modeling and proprietary technology to make it easier for customers, and we leave the actual insuring to the established insurance companies that have paid out billions of dollars in claims. Check out a few of our carriers below.

Legal & General America

We offer both fully underwritten and simplified issue term policies insured by Legal & General America (LGA), a top-rated life insurance company. Legal & General America has issued over a million policies in the U.S. for more than 70 years and currently has $734 billion of coverage in force (Year-end 2019). LGA has achieved superior ratings according to several independent financial strength measures.

Comdex Score

LGA has a Comdex score of 94. A Comdex score is a composite of all the financial strength ratings a company has received, ranging from 0-100.

Very Strong S&P Global

LGA holds an AA- (Very Strong) rating from S&P Global for insurer financial strength. S&P has rated the financial strength of insurance companies for over 40 years.

Superior Rating A.M. Best

LGA has an A+ (Superior) rating from A.M. Best for insurer financial strength. A.M. Best provides independent ratings of a life insurance company’s financial strength.

TruStage™

We work with TruStage™ to offer term and whole life insurance designed to be quick and simple, with no medical exam required. TruStage™ is made available by CMFG Life Insurance Company and MEMBERS Life Insurance Company, a trusted name that has served more than 20 million people for over 80 years.

CMFG Life consistently receives excellent ratings from the major credit rating agencies:

Excellent Rating A.M. Best

Rated “A” (Excellent) as of March 2021* by A.M. Best for its financial stability and operating performance. An “A” rating is the third-highest of 16 ratings awarded by A.M. Best.

Strong S&P Global

Rated A+ for financial strength as of March 2021* by Strong S&P Global, which demonstrates a strong capacity to meet its financial commitments. The“A” insurer financial strength rating ranks fifth highest out of 21.

Moody’s Investors

Rated A2 (Stable) as of March 2021* by Moody’s Investors, a leading provider of credit ratings. The A2 rating ranks sixth-highest out of 21 ratings and demonstrates a low credit risk.

Ameritas Life Insurance Corp.

We work with Ameritas Life Insurance Corp. to offer simplified term life insurance without medical exams. Ameritas (Est. 1887) is a top-rated insurer that serves millions of customers nationwide.

Strong S&P Global

A+ (Strong) for insurer strength. This is the fifth highest of Standard & Poor’s 21 ratings assigned. Rating is as of 3/6/2020. (Standard & Poor’s rating applies to Ameritas Life Insurance Corp. and Ameritas Life Insurance Corp. of New York.)

Excellent Rating A.M. Best

Ameritas holds an A (Excellent) for insurer financial strength. This is the third-highest of AM Best’s 13 ratings. Rating is as of 6/6/2020.

A+ Rating from the BBB

Ameritas is an accredited member of the Better Business Bureau (BBB) and holds an A+ rating. This is the highest rating given by the BBB, and indicates a superior level of trustworthiness and effort to resolve any customer concerns.