Foreign National Agent Guide

02

Individual Taxpayer Identification Number (ITIN) Eligibility

If your client has held both an SSN and ITIN, use the SSN.

Document types

Conditions

Product eligibility if conditions are met

See below for If your client has both a valid, eligible visa and an EAD, use the visa. eligible visa types.

ITIN + eligible U.S. visa

Ethos Term – Choice Ethos IUL

Your client will need to upload a picture of their visa card for identity verification.

If y our c lie n t h as b o t h a vali d, eligible visa a nd a n EAD, u se t h e visa . Clients using an EAD must meet the following conditions#  No intention to travel outside the U.S. within two years of the issue date  Must have lived in the U.S. for a minimum of 18 months  Under regular U.S.-based medical care, and have visited their physician in the last 18 months.

Ethos Term – Choice Ethos IUL

ITIN + EAD (no visa)

Your client will need to upload a picture of their EA D for identity verification.

Applicants usin g only an ITIN must meet the followin g criteria #  A g es 25–6l  $40K minimum annual household incom x  R esident of the U.S. for a minimum of 18 month „  No intention to travel outside the U.S  Under re g ular U.S. -b ased medical care , and have visited their physician in the last 18 month s Your client will need to upload a picture of their I R S ITIN Confirmation Letter (Notice C P565 ) for identity verification.

Ethos Term – Choice Ethos IUL

ITIN only

Ethos ITIN & V isa A g ent G uide

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