Ethos Life vs Standard 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
Standard Insurance Company
Founded: 1906
Portland, Oregon
Assets
$20 billion
IUL Experience
0+ years
Products
0
Avg Cap Rate
N/A
Key Strengths
Does NOT offer IUL
Focuses on group disability and employee benefits
7.5M customers
Detailed Feature Comparison
| Feature | Ethos Life | Standard Insurance Company |
|---|---|---|
| Founded | 2016 | 1906 |
| Headquarters | San Francisco, California | Portland, Oregon |
| Assets Under Management | Insurance agency (not carrier) | $20 billion |
| Years in IUL Business | 2+ years | 0+ years |
| Number of IUL Products | 1 | 0 |
| Typical Cap Rate Range | 8% - 10% | N/A - N/A |
| Participation Rates | 110% | N/A |
| Minimum Premium | $3,600 annual | N/A |
| Issue Ages | 20-65 | N/A |
| Underwriting Speed | Instant (90%+) | N/A |