Ethos insurance
- life
Last verified 2026-09-30
Every statement below is drawn from the sources listed at the foot of the page, and each fact names the one it came from.
Overview
Products
- Insurance products
- life
Source:Ethosverified 2026-09-30- Underwritten by
- Banner Life Insurance Company
- Protective Life Insurance Company
- North American Company for Life and Health Insurance
- CMFG Life Insurance Company and MEMBERS Life Insurance Company (TruStage)
- Ameritas Life Insurance Corp.
Source:Ethosverified 2026-09-30
Where it is available
Coverage
- Coverage types
- fully underwritten and simplified issue term
- term life insurance
- flexible premium adjustable indexed universal life insurance
- term and whole life insurance
- simplified term life insurance without medical exams
Source:Ethosverified 2026-09-30- Age restrictions
- ages 20 to 85Source:Ethosverified 2026-09-30
- Eligibility notes
- All U.S. citizens ages 20 to 85 can apply.
- If you're between 66 and 85, you qualify for our guaranteed-issue whole life policy and are automatically approved.
- Applicants ages 20 to 65 are eligible for our term policies.
- No medical exams are required.
Source:Ethosverified 2026-09-30
Getting a quote
Claims
- How to file a claim
- beneficiary files a claim with the insurance carrier
Source:Ethosverified 2026-09-30
Customer service
Limitations
- Notable limitations
- Products and their features may not be available in all states.
- Complimentary W&T services offered through the perks rider not available in WA and SD; W&T services not available in AK and LA.
Source:Ethosverified 2026-09-30
Financial strength
- Financial strength ratings
- Banner Life Insurance Company: A+ (Superior), A.M. Best
- Banner Life Insurance Company: A (Stable), S&P Global
- Protective Life Insurance Company: A1, Moody's Investors (as of March 2025)
- Protective Life Insurance Company: A+ (Superior), A.M. Best (as of March 2025)
- Protective Life Insurance Company: AA-, S&P Global (as of March 2025)
- North American Company for Life and Health Insurance: A+, A.M. Best (as of Aug 13, 2025)
- North American Company for Life and Health Insurance: A+ (Strong), S&P Global (as of May 15, 2025)
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- North American Company for Life and Health Insurance: A+ (Stable), Fitch Ratings (as of June 17, 2025)
- CMFG Life Insurance Company: A (Excellent), A.M. Best (as of December 2025)
- CMFG Life Insurance Company: A2 (Stable), Moody's Investors (as of January 2026)
- Ameritas Life Insurance Corp.: A+ (Strong), S&P Global (as of 2/28/2024)
- Ameritas Life Insurance Corp.: A (Excellent), AM Best (as of 5/15/2024)
Source:Ethosverified 2026-09-30
Compare
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Work the numbers
Tools for these insurance lines
Deterministic calculators with their method written out. None of them produce a quote.
- Life insurance needs calculatorAdds up the money your household would need to replace, then subtracts what is already in place, and shows every line of the arithmetic.Open tool
- Insurance company comparisonPut two companies side by side on the facts we have verified, with the source for each one and an explicit gap where we have not verified something.Open tool
Evidence
Sources behind this page
Each fact above names one of these. The tier is where the document sits in our source hierarchy, and the retrieval date is when we last pulled the page.
EthosTier 2 · The company itself
Buy Life Insurance Online - Apply In 3 Easy Steps | EthosRetrieved 2026-09-29