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
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