We work with the best in the business

Ethos has joined forces with some of the industry’s top carriers to make life insurance and accidental death 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 policies, including Banner Life, TruStage™ Financial Group, Inc., and Ameritas Life Insurance Corp. Ethos has streamlined the application process with digital underwriting and proprietary technology to make it easier for customers, and we leave the actual insuring to the established insurance companies that have paid billions of dollars in claims. Check out a few of our carriers below.

Banner Life

We offer fully underwritten and simplified issue term policies insured by Banner Life Insurance Company, (formerly Legal & General America, LGA). Banner Life has been helping protect people for more than 70 years, with 1.4M US customers, and $105B in new coverage issued in 2023. Banner Life has achieved strong ratings according to several independent financial strength measures.

Superior Rating A.M. Best

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

Comdex Score

Has a Comdex score of 86. A Comdex score is a composite of all the financial strength ratings a company has received, ranging from 0-100.

Stable S&P Global

Rated A (Stable) from S&P Global for insurer financial strength. S&P has rated the financial strength of insurance companies for over 40 years.

Protective

We work with Protective Life Insurance Company ("Protective") to offer term life insurance direct to consumers with quicker access to the protection they need. For more than 110 years, Protective has helped millions of people prepare for what's next with confidence, serving over 14 million customers. With consistently strong financial strength ratings, Protective delivers on its promises — because we're all protectors.

High Moody’s Investors rating

Rated A1 by Moody’s Investors, a leading provider of credit ratings. The A1 rating ranks fifth highest out of 21 ratings and demonstrates a low credit risk (rating as of March 2025).

Superior rating with A.M. Best

Protective has an A+ (Superior) second highest of 15 ratings from A.M. Best for insurer financial strength. A.M. Best provides independent ratings of a life insurance company’s financial strength (rating as of March 2025).

Very strong S&P Global rating

AA- ranks sixth highest of Standard & Poor’s 21 ratings assigned. It reflects Protective’s very strong capacity to meet financial commitments (rating as of March 2025).

North American

We work with North American Company for Life and Health Insurance® to offer flexible premium adjustable indexed universal life insurance designed for an instant decision. As a leading provider of life insurance and annuities in the United States. North American has fulfilled commitments to customers since 1886 through outstanding customer service, competitive insurance and retirement solutions, and a foundation of financial strength. This unwavering commitment helps customers stay focused on the things that matter most to them.

A.M. Best

A+ is the second highest rating out of 15 categories (rating as of Aug 13, 2025).

S&P Global

The "A+" (Strong) rating, is the fifth highest out of 22 available ratings (rating as of May 15, 2025).

Fitch Ratings

The A+ (Stable) rating is the fifth highest of 19 possible rating categories (rating as of June 17, 2025).

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

Excellent Rating A.M. Best

Rated “A” (Excellent) as of December 2025 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 September 2025 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 January 2026 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 2/28/2024. (Standard & Poor’s rating applies to Ameritas Life Insurance Corp. and Ameritas Life Insurance Corp. of New York.)

Excellent Rating AM Best Company

Ameritas holds an A (Excellent) for insurer financial strength. This is the third-highest of AM Best’s 13 ratings. Rating is as of 5/15/2024.

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.