Ethos Life vs Ameritas 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
Ameritas Life
Founded: 1887
Lincoln, Nebraska
Assets
$20 billion
IUL Experience
3+ years
Products
4
Avg Cap Rate
9.5%
Key Strengths
Offers 4+ IUL products
Growth IUL, FLX IUL, Ethos IUL (partnership)
Instant underwriting (launched Sept 2023 with Ethos)
Detailed Feature Comparison
| Feature | Ethos Life | Ameritas Life |
|---|---|---|
| Founded | 2016 | 1887 |
| Headquarters | San Francisco, California | Lincoln, Nebraska |
| Assets Under Management | Insurance agency (not carrier) | $20 billion |
| Years in IUL Business | 2+ years | 3+ years |
| Number of IUL Products | 1 | 4 |
| Typical Cap Rate Range | 8% - 10% | 8% - 11% |
| Participation Rates | 110% | 115% |
| Minimum Premium | $3,600 annual | $3,600 annual |
| Issue Ages | 20-65 | 0-85 years |
| Underwriting Speed | Instant (90%+) | Instant to 3 weeks |