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Foreign Nationals FAQs
Visas, ITIN & 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 green “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.m * 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 linkb * In the SMS or email, have them click the link, which will take them to a document upload window.m * Have them choose the green “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 U.S.-based medical provider within the last 18 months, so we can pull records from the medical provider.
The provider who performs your full physical within the last 18 months will be considered your primary care provider. If you’ve used a medical group with several providers, list the provider who performed your exam as your 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. If the client is using an ITIN, unfortunately we are not able to offer coverage at this time. What if my ITIN-only client does not have a driver’s license? All ITIN-only applicants will be asked to upload a photo of their ITIN letter for identity verification. If they have a driver’s license, they will also need to enter the number.
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.
General questions
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 can still enjoy an instant decision, provided they meet the conditions listed. Are there any state exclusions? In California, Ethos IUL is still pending state approval. Additionally, Ethos Term – Choice is available in California without living benefits, which are pending state approval. Product availability in California is not tied to ITIN, EAD & visa eligibility.
Ethos ITIN & Visa Agent Guide
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