insurouter

Ethos vs MassMutual

Ethos logo

Ethos

Full profile
MassMutual logo

MassMutual

Full profile
Life insuranceLast verified Oct 1, 2026
Verified facts for Ethos and MassMutual, side by side
FieldEthosMassMutual
FoundedDiffers2016Source: Ethosverified 2026-09-301851Source: MassMutualverified 2026-10-01
Company typeUnknown on one sidelicensed producer and third-party administratorSource: Ethosverified 2026-09-30Not verified
HeadquartersUnknown on one sideNot verifiedSpringfield, MassachusettsSource: MassMutualverified 2026-10-01
Insurance productsSame
  • life
Source: Ethosverified 2026-09-30
  • life
Source: MassMutualverified 2026-09-30
Underwritten byUnknown on one side
  • 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		Not verified
States availableUnknown on one sidethe District of Columbia and every U.S. state except New YorkSource: Ethosverified 2026-09-30Not verified
States licensedUnknown on one sideNot verifiedall states, the District of Columbia, and Puerto RicoSource: MassMutualverified 2026-10-01
Coverage typesDiffers
  • 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
  • term
  • permanent
Source: MassMutualverified 2026-10-01
Age restrictionsUnknown on one sideages 20 to 85Source: Ethosverified 2026-09-30Not verified
Eligibility notesDiffers
  • 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
  • Algorithmic Underwriting: ages 17-59, physical exam and labs required
  • MassExpress Fluidless: ages 17-50, no physical exam or labs required
Source: MassMutualverified 2026-10-01
How to get a quoteDiffers
  • online
Source: Ethosverified 2026-09-30
  • through a financial professional
Source: MassMutualverified 2026-10-01
Free look periodUnknown on one side30 day period to cancel coverageSource: Ethosverified 2026-09-30Not verified
How to file a claimDiffers
  • beneficiary files a claim with the insurance carrier
Source: Ethosverified 2026-09-30
  • online
  • mail
  • email
  • fax
Source: MassMutualverified 2026-10-01
Customer service channelsDiffers
  • phone
  • email
Source: Ethosverified 2026-09-30
  • phone
  • email
  • online dashboard
Source: MassMutualverified 2026-10-01
Mobile appsUnknown on one sideNot verified
  • MassMutual App (Apple App Store, Google Play)
Source: MassMutualverified 2026-10-01
Notable limitationsDiffers
  • 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
  • Some product, product features, or underlying investment options may not be available in all states
  • Products are generally not available for purchase outside the United States
Source: MassMutualverified 2026-10-01
Financial strength ratingsUnknown on one side
  • 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)
  • 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		Not verified

Both companies write life insurance. Of the fields we have verified for either company, 7 differ and 9 are unverified on at least one side. We do not pick a winner and we do not score either company.

Compare another pair

Swap either side out

The picker only offers fully researched companies, and narrowing by line keeps you from building a pairing with nothing in common.

Both profiles in full

Ethos logoEthosMassMutual logoMassMutual

Tools for this decision

All comparisonsAll companies