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Foreign Nationals FAQs
General questions, cont’d.
Why is product eligibility different for ITIN and SSN holders? Working with our carrier partner Ameritas, Ethos Term – Choice & 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. 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.
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). 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 © 2024 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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