Ethos Life vs American National Insurance Company
Comprehensive side-by-side comparison of indexed universal life insurance companies
Ethos Life
Founded: 2016
San Francisco, California
Assets
Insurance agency (not carrier)
IUL Experience
2+ years
Products
1
Avg Cap Rate
9%
Key Strengths
Partners with Ameritas for Ethos IUL
90%+ instant decisions
Entirely digital platform
American National Insurance Company
Founded: 1905
Galveston, Texas
Assets
$30 billion
IUL Experience
15+ years
Products
1
Avg Cap Rate
9.5%
Key Strengths
120+ year history
Newsweek: 'America's Most Trustworthy Companies'
Forbes: 'America's Best Insurance Companies'
82 consecutive years financial strength recognition
Operates in all 50 states
Detailed Feature Comparison
| Feature | Ethos Life | American National Insurance Company |
|---|---|---|
| Founded | 2016 | 1905 |
| Headquarters | San Francisco, California | Galveston, Texas |
| Assets Under Management | Insurance agency (not carrier) | $30 billion |
| Years in IUL Business | 2+ years | 15+ years |
| Number of IUL Products | 1 | 1 |
| Typical Cap Rate Range | 8% - 10% | 8% - 11% |
| Participation Rates | 110% | 110% |
| Minimum Premium | $3,600 annual | $5,000 annual |
| Issue Ages | 20-65 | 0-85 years |
| Underwriting Speed | Instant (90%+) | 3-4 weeks standard |