Reach new markets with coverage for foreign nationals
Protect more clients with fast & easy coverage from Ethos for ITIN, EAD, & visa holders
Overview
Broad eligibility
n Coverage for most visa and Employment Authorization Document (EAD) holders with an ITIN or SSF
n Non-visa/EAD holders with an Individual Taxpayer Identification Number (ITIN) ages 25-60 also qualify
No medical exams or fluids *
Easy Ethos process
n Cutting-edge technology means an easier process for you and your client
n Seamless, fully online application with document upload from computer or phon»
n Instant approvals for most applicants
n Clear, straightforward eligibility rules
Available products:
Ethos Term – Choice with Living Benefits
Ethos IUL
TruStage Term Life
TruStage W ho l e Life
TruStage G uara n tee d Acc e p ta nc e W ho l e Life
H ow to p re p are for a sale
a Review your client’s eligibility beginning on the next pagea
Va Make sure they have all relevant documents ready. Visa and EAD holders will need to upload an image of their relevant document for identity verification. ITIN holders will be asked to complete identity verification by uploading a government-issued photo ID and a selfie check. See our and how-to videos for more infoy ;a Start an agent-assisted application. When the application asks for "Citizenship or PR status," select "Non-US citizen" to enter your client's visa, EAD, and or ITIN informationy 9a Know when more information may be requested. Most applicants using eligible visas will enjoy instant decisions. For applicants using EADs or ITINs only, some manual underwriting may be required. ITIN Visa/EAD
*Just a fe w hea l th quest i ons
02
Social Security number (SSN) Eligibility
Document types
Conditions
Eligibility if conditions are met
SSN + eligible US visa
No additional conditions.
Ethos Term – Choice
If your client has both a valid, eligible visa and an EAD, use the visa.
Ethos IUL
Working professionals, spouses of US citizens
If client doesn’t meet other eligibility criteria, they may be routed to TruStage Term Life — Band 1 TruStage Advantage Whole Lif TruStage Guaranteed Acceptance Whole Life
SSN + EAD (no visa)
To qualify for Ethos Term – Choice or Ethos IUL, your client must meet the follo w ing conditions No intention to travel outside US w ithin t w o years of EAD issue date ' M ust have lived in the US for a minimum of 1 8 months ' Under regular US - based medical care, and have visited their physician in the last 1 8 months.
Ethos Term – Choice
Ethos IUL
DACA recipients, clients changing visas
If client doesn’t meet other eligibility criteria, they may be routed to TruStage Term Life — Band 1 TruStage Advantage Whole Lif TruStage Guaranteed Acceptance Whole Life
SSN only
Not eligible for Ethos Term - Choice — client w ill be routed to TruStage Advantage Whole Life
TruStage Term Life — Band 1 *
TruStage Advantage Whole Life
Clients changing visas or a w aiting E AD rene w al
TruStage Guaranteed Acceptance Whole Life
* TruStage Term Life — Band 1 : Age 25 – 69: $5K – $ 1 00K , single ris k class, no tobacco
E thos ITIN & V i sa A gent Gu i de
03
Individual Taxpayer Identification Number (ITIN) Eligibility
If your client has held both a SSN and ITIN, use the SSN.
Document types
Conditions
Eligibility if conditions are met
ITIN + eligible US visa
No additional conditions.
Ethos Term – Choice
If your client has both a valid, eligible visa and an EAD, use the visa.
Ethos IUL
Spouses of working professionals, students
Clients using an EAD must meet the following conditionsô
Ethos Term – Choice
ITIN + EAD (no visa)
Ethos IUL
DACA recipients, clients changing visas, asylum seekers
ð No intention to travel outside the US within two years of the issue dateÐ ð Must have lived in the US for a minimum of 18 monthsÐ ð Under regular US-based medical care, and have visited their physician in the last 18 months.
ITIN only
Applicants must meet the following criteriaô
Ethos Term – Choice
ð Age 25 – 6 ð $40K minimum annual household incom ( ð R esident of the US for a minimum of 18 month , ð No intention to travel outside the U ; ð Under regular US-based medical care, and have visited their physician in the last 18 months
Ethos IUL
B usiness owners, entrepreneurs, self - employed individuals
F or more in f o
Please see our FAQs on page 6 for common questions.
See our for training slides and links to all program information. Foreign Nationals resources page
See our for more information about our manual underwriting process. Field Underwriting Guide
E thos ITIN & V i sa A gent Gu i de
04
Eligible visa types
If your client is using a visa, it must be valid and one of these eligible types.
Visa
Description
E-1
Treaty traders
E-2
Treaty investors
E-3
Australian specialty occupation workers
Priority workers, including persons with extraordinary ability, outstanding professors and researchers, multinational executives and managers
EB-1
EB-2
Professionals with advanced degrees or exceptional ability
EB-3
Skilled workers, professionals, and other workers
Immigrant investors (investment of $1.8 million in a new commercial enterprise and creation of 10 full-time jobs)
EB-5
F1
Unmarried sons and daughters of US citizens (21 years of age and older)
F-1
Academic students
F-2
Dependents of F-1 visa holders
F-2A
Spouses and children of lawful permanent residents
F-2B
Unmarried sons and daughters (21 years of age and older) of lawful permanent residents
F-3
M arried sons and daughters of US citizens
F- 4
B rothers and sisters of US citizens
H -1B
Specialty occupations
H -1B1
Free Trade Agreement workers in specialty occupations from C hile and Singapore
H -1 C
N urses in health professional shortage areas
H - 4
Dependents of H visa holders
I R -1
Spouse of a US citizen
05
Visa
Description
J-1
Exchange visitors
K-1
Fiancé(e) of a US citizen
K-3
Spouse of a US citizen awaiting approval of an I130 immigrant petition
L-1A
Executives and managers
L-1B
Workers with specialized knowledge
M-1
Vocational students, if authorized for practical training
M-2
Dependents of M-1 visa holders
O-1
Individuals with extraordinary ability or achievement
O-2
Individuals accompanying an O-1 visa holder
O-3
Dependents of O-1 and O-2 visa holders
P-1
Internationally recognized athletes or members of an internationally recognized entertainment group
P-2
Artists or entertainers in reciprocal exchange programs
P-3
Artists or entertainers in culturally unique programs
TN
USM C A professionals from C anada and Mexico
TD
Dependents of TN visa holders
V-1
Spouses of US lawful permanent residents
Ineligible visa categories
If your client ’ s visa is not listed, it is not eligible for coverage . Examples of visas we do not accept include temporary visas issued for tourists, crew members, and people transiting through the US .
Ethos ITIN & Visa Agent G uide
06
Foreign Nationals FAQs
Visas, ITINs & EADs
Can I upload my client’s document for them? Yes. If your client is with you and has their relevant document ready, when you get to the upload window, simply choose the “Camera” button to take a picture.
Can my client upload their own document? Yes. On the Document verification page, click “Start verification” and if necessary, choose the relevant document you’ll be uploading.¯ When asked to take a photo of the document, choose “Continue on another device” and enter your client’s phone number or email address so that we can send them a secure link> In the SMS or email, have them click the link, which will take them to a document upload window.¯ Have them choose the “Camera” button to take a picture. Images should be well-lit, clear and readable. Your client will have five attempts to upload their document. If you need support, please contact us at (415) 639-3968.
For clients using an EAD or ITIN only, how extensive do their medical records need to be? Your client needs to have established care with a US-based medical provider within the last 18 months, so we can pull records from the medical provider.
The provider who performs their full physical within the last 18 months will be considered their primary care provider. If they've used a medical group with several providers, list the provider who performed their exam as their primary care provider.
My client’s EAD is about to expire, or has recently expired, but they have an extension letter. What should I do? We understand many clients are awaiting EAD renewal, and we are working on a solution for individuals with an extension letter. At this time, if the client is using an SSN, we will route them to TruStage™ Advantage Whole Life.
What documentation does an ITIN-only client need to provide? They will need to upload a valid, government-issued document to verify their identity. For example, their passport.
Do you ask for tax returns? No. We reserve the right to verify income if needed during manual underwriting, but in general, we do not ask for tax returns.
Can my client get an instant decision? Yes, instant decisions are possible. Having an eligible visa results in the least restrictions and highest likelihood of an instant decision. Those without an eligible visa may get an instant decision, provided they meet the conditions listed.
Why is product eligibility different for ITIN and SSN holders? Working with our carrier partner Ameritas, Ethos Term – Choice and Ethos IUL eligibility has been expanded to support a range of applicants using an ITIN. We and our carrier partners continue to explore how to cover the widest range of applicants.
Ethos ITIN & Visa Agent Guide
07
Foreign Nationals FAQs
General questions, cont’d.
Can my client get coverage on their own through my agent link? We recommend an agent-assisted sale. On the Quote & Application page in the Ethos agent portal, start from either the Term with Living Benefits tile, or the Index Universal Life (IUL) tile if available to your agency.
Do you offer coverage for Americans living abroad? At this time, we do not offer this type of coverage.
What if my client's beneficiary lives in another country? Yes, a beneficiary in a different country is fine. However, we suggest consulting with your tax advisor if you have questions.
If my client with an Ethos policy dies overseas, will the claim still be paid and can the proceeds go to a non-US bank account? Yes. As long as the policy is active and the death isn’t excluded under the terms (e.g. suicide during the contestability period, acts of war), the carrier will pay the claim—even if the insured dies abroad. Proceeds can be paid to beneficiaries outside the US, including via wire transfer to a non-US bank account, though additional documentation and processing time may be required.
For agent use only.
The information herein is provided solely for educational purposes to provide you with information about products and services offered through Ethos.
Agents are expected to act within the scope of their license and may not sell, solicit or negotiate life insurance unless licensed in the state. Compensation is paid to life licensed agents only.
Ethos Term Life – Choice (form 3034 and state variations) is issued by Ameritas Life Insurance Corp. The product is not available in NY. Critical, Chronic and Terminal Illness Accelerated Benefits rider (Form ICC16 CCTIABR 11-16). In approved states, Ethos Index Universal Life Insurance (form 3030 3-23 with 3030 SCH 3-23) is issued by Ameritas Life Insurance Corp. In Oregon, policy form ICC23 3030 3-23 with ICC23 3030 SCH 3-23. The product is not available in New York. Ameritas and Ethos Technologies Inc., are separate, independent entities. Ameritas® is a marketing name for subsidiaries of Ameritas Mutual Holding Company, including, but not limited to, Ameritas Life Insurance Corp. in Lincoln, Nebraska and Ameritas Life Insurance Corp. of New York (licensed in New York) in New York, New York. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit http://ameritas.com. Ameritas and Ethos Technologies Inc., are separate, independent entities. Ethos offers policies issued by Ameritas Life Insurance Corp. (not licensed in New York). Products and their features may not be available in all states. TruStage™ Simplified Issue Term Life Insurance is issued by CMFG Life Insurance Company. This is a term policy to age 80 that has premiums that increase when entering each five-year band: 25, 30, 35, 40, 45, 50, 55, 60, 65, 70, and 75. Base Form Numbers for coverage under 100k: ICC16- A10a-039, A10a-039-2016 & over 100k ICC17-SIT-2, 2017-SIT-2. TruStage™ Guaranteed Acceptance Whole Life Insurance is issued by CMFG Life Insurance Company. Death benefit is limited the first 2 years of the policy and is limited to a return of 100% of premiums, plus 10%. Base Form Numbers: ICC16-GAWL, 2016-GAWL. TruStage™ Advantage Whole Life Insurance is issued by MEMBERS Life Insurance Company. Base Form Numbers: ICC20-WLMLIC, 2020-WLMLIC. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any depository institution. Product and features may vary and not be available in all states. Corporate Headquarters: 5910 Mineral Point Road, Madison, WI 53705. © TruStage | Privacy | Terms and Conditions | Confidentiality © 2025 Ethos Technologies Inc. Ethos operates in some states as Ethos Life Insurance Services. CA license #0L28949; AR license #100164629. Ethos offers policies issued by the carriers listed at http://www.ethoslife.com/carriers. Products and their features may not be available in all states. The information and content provided in this document is for informational purposes only and is not to be considered legal, tax, investment, or financial advice. No contract is formed or amended by this document.
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