Ethos Term Life Insurance Living benefits, elevated risk options, and more
Products that fit your clientʼs needs Select the product youʼd like to start an application for and if your client isnʼt a right fit, weʼll reroute them to another product. Zero case management What used to take weeks or months, can now be done in minutes with our agent-assisted application. Over 90% instant decision* Our quick application gives your clients an on-the-spot decision with affordable coverage options and no medical exams. Riders & perks Offer living benefits, return of premium, coverage up to $2M, and free estate planning tools with every policy.
Ethos Term Life - Choice w/ living benefits
John Hancock Simple Term with Vitality & ROP
TruStage TM Term Life
Ethos Term Life - Prime
Best to Moderate risk
Best to Moderate risk
Risk class
Best risk
Moderate risk
Age
20-65
20-65
20-69
20-50
Coverage
$100K-$2M
$50K-$1M
$5K-$300K
$25K-$500K
25-year 30-year Renewable through age 94 100% instant decision
Annually renewable to age 80
Term length
10 to 40 yrs
10 to 30 yrs
90% instant decision
90% instant decision
100% instant decision
UW decision
*From ages 20-85. Averaged across ages.
ethos.com
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