Ethos Life vs F&G (Fidelity & Guaranty Life)
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
F&G (Fidelity & Guaranty Life)
Founded: 1959
Des Moines, Iowa
Assets
$40 billion
IUL Experience
10+ years
Products
2
Avg Cap Rate
9.5%
Key Strengths
LIMRA Q2 2024: Top IUL provider ranking
Competitive historical performance
Quick policy delivery
Juvenile IUL specialty (15 days to 17 years)
Living benefits: accelerated death benefits
Detailed Feature Comparison
| Feature | Ethos Life | F&G (Fidelity & Guaranty Life) |
|---|---|---|
| Founded | 2016 | 1959 |
| Headquarters | San Francisco, California | Des Moines, Iowa |
| Assets Under Management | Insurance agency (not carrier) | $40 billion |
| Years in IUL Business | 2+ years | 10+ years |
| Number of IUL Products | 1 | 2 |
| Typical Cap Rate Range | 8% - 10% | 8% - 11% |
| Participation Rates | 110% | 115% |
| Minimum Premium | $3,600 annual | $3,600 annual |
| Issue Ages | 20-65 | 15 days to 85 years |
| Underwriting Speed | Instant (90%+) | Some immediate delivery or within 24 hours |