New Agent Starter Kit [FFL]

Welcome to a whole new world of life sales The widest range of instant-issue products

Index Universal Life

Whole Life insurance

Term Life Insurance

Offer coverage to almost everyone

# of products

4

1

2

Eliminate case management

Risk class

Best-Moderate risk Best-Moderate risk

Good to poor health

Radically reduce your sales cycle

Age

20-69

20-65

20-85

Easy pivots replace dead ends

Coverage

$5K-$2M

$25K-$1M

$5K-$100K

Free estate planning tools with every policy sale offer agents a natural extension to life insurance and a powerful differentiator.

Term length

10 to 30 yrs

-

10 to 30 yrs

UW decision

90-100% instant decision

90% + instant decision

100% instant decision

Riders & perks

- Living benefits

- 5 riders are available at no additional cost including estate planning - 2 riders are available at an additional cost

- Free estate planning tools at no additional cost*

Note: Ethos IUL and John Hancock Simple Term with Vitality not available to all partners.

*Estate planning tools are available under the Perks benefit issued with eligible policies sold through Ethos. Policies issued in SC, SD, and WA are not eligible to receive the Ethos Estate Planning perk. Estate planning documents may not be available in all states.

- Return of premium

- Free estate planning tools at no additional cost*

ethos.com

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