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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
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