Supercharge Your Business Ethos for Agents Playbook
For licensed life agents only | Updated June 2024
Table of contents
Why Ethos?
3
Underwriting & Product Overview
9
Getting Started as an Agent for Ethos
19
How to Contact Us
23
Why Ethos?
3
In today’s world, your clients expect life insurance to be like everything else: 100% online, and simple. Meanwhile, many agents seek an alternative to traditional case management, medical exams, and delays. Now, Ethos can help you unlock a better life insurance experience.
Why Ethos?
4
Why consumers need Ethos
Too many families go without life insurance. More than 7% of kids in the U.S. lose a parent or sibling by age 18. 1 If that parent was a breadwinner, 44% of those families experience financial hardship within 6 months. 2 Life insurance is an important way many families can stay financially viable after the loss of a breadwinner.
Many want life insurance, but don’t know how to get it. 80 million U.S. households are uninsured 2 , facing an average coverage gap of $200,000. 3 About 95% of applicants up to age 85 are approved when they apply with Ethos.
More people are thinking about life insurance now. The pandemic has led to sustained consumer awareness of the need for life insurance protection, and an increased market appetite. 2 And nearly 50% of consumers are more likely to buy through a simplified underwriting process. 4 Through Ethos, it generally takes about 10 minutes to get up to $2 million in life insurance coverage, with no blood test or medical exam needed, just a few health and lifestyle questions.
1. Childhood Bereavement Estimation Model, National 2022, Judi’s House/JAG Institute; 2. 2022 Insurance Barometer Study, Life Happens and LIMRA; 3. Industry Associations Unite to Help Address the Life Insurance Coverage Gap in the United States, Life Happens and LIMRA, 2/1/2021; 4. 2021 Insurance Barometer Study, Life Happens and LIMRA
Why Ethos?
5
How Ethos works Our proprietary underwriting engine chooses an appropriate product for each client, so you don’t have to. The typical customer journey is simple and direct.
Underwriting happens quickly. Underwriting happens quickly, usually instantly, with information pulled from authorized data sources, such as motor vehicle records, prescription history, the client’s credit-based insurance score, and Medical Information Bureau (MIB) data. Our smart-routing application determines the best product fit for your client. Our algorithm will instantly route your client to the product for which they qualify. If their application isn’t instantly approved, it will be reviewed by an underwriter. They may ask your client additional questions or request documentation. Your clients can fill out the application themselves. This may be different than what you’re used to, but it’s one of the reasons we can provide life insurance coverage to your clients so quickly. Because they’re automatically routed to the right product and pricing for which they qualify, many agents find the process frees up time. Hours that used to be spent assessing products are now invested in building client relationships and growing their business.
Why Ethos?
6
Why agents love Ethos
It’s easy to love Ethos. That’s because we make life insurance sales simple, easy, and profitable for agents, with a policy to fit any client need.
95 % industry-leading application approval rate
Zero case management
100 % online experience that takes about 10 minutes
70 NPS * superior customer service
$2 M maximum coverage
Fast To get started, all you need is a valid life insurance license
*as of June 2024
Why Ethos?
7
More to love
Superior customer ratings
70 NPS *
Source: TrustPilot, June 2024
Source: Google, June 2024
Source: Delighted 30-day NPS, June 2024
Robust platform Onboard fast with comprehensive online training and ongoing webinars. Our agent portal includes an instant quoter, real-time client and earning status, and key sales tools all in one place.
Co-branded application site Once you’re onboarded with us, we’ll send you a link to your application page with your name on it. Embed this link directly into your website or send via email to clients and prospects.
Multiple ways to grow Enjoy prompt weekly payment, lead connection services, and competitive compensation. Referral rewards, bonus programs, and agency incentives offer additional ways to scale your business.
We work with the best in the business
Why Ethos?
8
Our origins When founders Lingke Wang and Peter Colis were in college, Lingke was upsold a life insurance policy he didn’t need and couldn’t afford. He eventually let the policy lapse, losing the money he’d put into it. Lingke realized many Americans might not know enough about life insurance to get the right coverage for their families. He and Peter set out to make life insurance more affordable, accessible, and straightforward with the creation of Ethos in 2016.
Our mission We’re on a mission to protect the next million families.
Our people Ethos employs hundreds of team members in offices in San Francisco, California; Austin, Texas; Seattle, Washington; and Bangalore, India.
Our investors Ethos has raised over $400 million from Accel, Sequoia, SoftBank Vision Fund 2, General Catalyst, and GV. They invest in our vision for a fresh approach to life insurance.
Underwriting & Product Overview
9
Underwriting & Product Overview At Ethos, we aim to be the name you consider first for all your clients. From the fittest to the most challenging cases and everyone in between, we can approve about 95% of applicants. We reach this remarkable number using a broad array of term and whole life final expense products, and our proprietary underwriting platform that considers more than 300,000 data points in every coverage decision. This platform allows us to make underwriting decisions with greater accuracy, and fulfill our mission to protect the next million families with greater speed. We offer face amounts up to $2 million and coverage for people age 20–85. All products come with a 30-day free look period.
Min/max issue age
Product name
Product type
Carrier
Coverage Max
Ethos Term Life – Prime
Up to $2M (varies by age)
Term life
LGA
20–65
Ethos Term Life – Choice
Ameritas Life Insurance Corp.
Term life
Up to $1M
20–65
CMFG Life Insurance Company John Hancock Life Insurance Company, U.S.A.
TruStage™ Term Life
Term life (increasing)
Up to $300k
20–69
John Hancock Simple Term with Vitality with ROP
Term life
Up to $500K
20-50
Ethos Index Universal Life
Ameritas Life Insurance Corp.
Index universal life
Up to $1M
20–65
TruStage™ Advantage Whole Life TruStage™ Guaranteed Acceptance Whole Life
MEMBERS Life Insurance Company CMFG Life Insurance Company
Whole life
Up to $100k
20–85
Up to $25k graded death benefit
Whole life
45–80
Please see the Ethos Field Underwriting Guide for detailed condition-specific ratings and knockout conditions. For TruStage TM products, please visit our TruStage FAQs.
For full underwriting information
Underwriting & Product Overview
10
Ethos Term Life – Prime Most selective risk class term life insurance
Carrier
Legal & General America
Issue age
Age 20–65 (age nearest)
Coverage amounts
$100,000–$2 million
Max face amounts by term length
$2 million
$1 million
$500,000
Age 20–50: 10, 15, 20, 30 year
Age 51–60: 10, 15, 20 year
Age 61–65: 10, 15 year
Term length
Premiums
Level for specified term period
States available
Not available in New York
Payment options
ACH
Application questions and third-party evidence checks Potential additional evidence ordered. 90% instant decision. APS review for age 61 & up.
Underwriting criteria
Preferred Plus Non-Tobacco Preferred Non-Tobacco Standard Non-Tobacco Standard Tobacco Table Ratings
Underwriting classes
Average customer profile
Health
Financial & credit history
Vehicle violations
Excellent/good health with few to no chronic conditions. Any existing chronic conditions are consistently well controlled and receive regular follow-up care.
Excellent/good credit resulting in low/mid CBI score depending on age
Valid license not currently suspended or revoked. No major violations within 5 years: DUI/DWI, reckless driving, speed >90mph, accident resulting in injury, driving while license suspended. Few to no minor violations within 3 years: speeding <90mph, accident not resulting in injury, careless driving
Please see the Ethos Field Underwriting Guide for detailed condition-specific ratings and knockout conditions.
Underwriting & Product Overview
11
Ethos Term Life – Prime (Continued)
Replacements
Available
Conversions
Available
Annual policy fee
$76 (included in premium, non-commissionable)
Accelerated death benefit Ethos estate planning tools at no additional cost (except WA & SD)
Available riders & perks
Financial qualifications
Face amount eligibility
Multiple of annual household income: Under 30: 40x
30–39: 35x 40–49: 25x 50–59: 20x 60–65: 10x
Non-working spouses
Based on household income Coverage amount cannot be greater than spouse’s total of insurance in-force and applied for
Retired
Maximum coverage: $500k
Single graduate students
Maximum coverage: $500k
Single undergraduate students
Maximum coverage: $250k
Underwriting & Product Overview
12
Ethos Term Life – Choice Moderate risk class term life insurance
Carrier
Ameritas Life Insurance Corp.
Issue age
Age 20-65 (age nearest)
Coverage amounts
$50,000–$1,000,000
Age 20–50
$50K–$1M
Max face amounts by term length
Age 51-60
$50K–$500k
Age 61-65
$50K–$350k
Age 20–50: 10, 15, 20, 30 year
Age 51–60: 10, 15, 20 year
Age 61–65: 10, 15 year
Term length
Premiums
Level for specified term period
States available
Not available in New York & California
Payment options
Monthly via debit/credit card, ACH
Application questions and third-party evidence checks. Potential additional evidence ordered. 90% instant decision.
Underwriting criteria
Preferred Plus Preferred Standard Plus Standard + table ratings 1-10
Underwriting classes
Average customer profile
Health
Financial & credit history
Vehicle violations
Excellent/good health with few to no chronic conditions. Any existing chronic conditions are consistently well controlled and receive regular follow-up care.
Good/fair/poor credit resulting in mid/high CBI score depending on age
Valid license not currently suspended or revoked Major violations: none within 5 years Minor violations: few to none within 3 years
Please see the Ethos Field Underwriting Guide for detailed condition-specific ratings and knockout conditions.
Replacements
Unavailable
Annual policy fee
$108 (included in premium, non-commissionable)
Available riders & perks
Critical, Chronic and Terminal Illness Accelerated Benefits rider included at no cost, covers 18 qualifying conditions. Eligibility is subject to underwriting. Certain applicants will receive only the Terminal Illness Rider (TIR). Ethos estate planning tools provided by the Perks benefit at no additional cost (except WA & SD)
For agent use only
Underwriting & Product Overview
13
TruStage™ Term Life Term life insurance increasing premium
Carrier
CMFG Life Insurance Company
Issue age
Age 20–69 (age last)
Coverage amounts
$5,000–$300,000 annually renewable to age 80
Premiums
Increasing every 5 attained ages
States available
Not available in New York
Payment options
Monthly, quarterly, bi-annually, annually via debit/credit card, ACH
Underwriting criteria
Application questions and third-party evidence checks. 100% instant decision.
Band 1: $5,000–$100,000 combined Non-Tobacco/Tobacco rating (single risk class) Band 2: $150,000–$300,000 separate Non-Tobacco and Tobacco rates
Underwriting classes
Average customer profile
Health
Financial & credit history
Vehicle violations
Average to fair health. Not currently disabled.
Good/fair/poor credit resulting in mid/high CBI score depending on age
Not underwritten
For more information about our TruStage TM products, please visit our TruStage FAQs.
Replacements
Unavailable
Annual policy fee
Band 1: $30 / Band 2: $60 (included in premium, non-commissionable)
Convertible to whole life. Ethos estate planning tools at no additional cost (except WA & SD).
Available riders & perks
Underwriting & Product Overview
14
John Hancock Simple Term with Vitality with ROP Best/moderate risk class term life insurance — not available for all agents
Carrier
JJohn Hancock Life Insurance Company, U.S.A.
Issue age
Age 20-50 (age last)
Coverage amounts
$25,000–$500,000
Age 20–50: 25 year Age 20–45: 30 year Renewable through age 94
Term length
Premiums
Level for specified term period
States available
Not available in New York
Payment options
ACH
Application questions and third-party evidence checks. 100% instant decision.
Underwriting criteria
Preferred Non-Smoker Standard Non-Smoker
Underwriting classes
Please see the Simple Term with Vitality Underwriting Guide for detailed condition-specific ratings, disqualifying occupations, and knockout conditions.
Average customer profile
Replacements
Unavailable
Annual policy fee
$72 (included in premium, non-commissionable)
Return of Premium (ROP) Rider: Returns up to 100% of premiums paid by the end of the level term period. 1 Vitality PLUS: Clients can earn rewards and discounts for the everyday steps they take to live a longer, healthier life. 2 Accelerated Benefit rider: Provides access to 50% of the death benefit if the insured is certified to be terminally ill with a life expectancy of one year or less.
Available riders & perks
1 The Return of Premium (ROP) rider allows for a return of a portion of the premiums at the end of the level term period or earlier if the policy is terminated prior to that point. The ROP benefit will begin as early as the second policy anniversary and the percentage of premiums available to be returned increases gradually over the term duration to a maximum of 100% at the end of the level term period. The ROP Rider is only available for term durations 25 and 30 and only for Standard or Preferred Non Tobacco risk classes. There is an additional cost for this rider. 2 Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock. The John Hancock Vitality Program allows members to earn rewards based on healthy activities. Vitality Program rewards and discounts are available only to the person insured under the eligible life insurance policy, are subject to change and are not guaranteed to remain the same for the life of the policy. John Hancock Vitality Program rewards and discounts are only available to the person insured under the eligible life insurance policy. Products or services offered under the Vitality Program are not insurance and are subject to change. There may be additional costs associated with these products or services and there are additional requirements associated with participation in the program. For more information, please contact the company at JohnHancockInsurance. com or via telephone at 888-333-2659.
Underwriting & Product Overview
15
Ethos IUL Index universal life insurance — not available for all agents
Carrier
Ameritas Life Insurance Corp.
Issue age
Age 20–65 (age nearest)
Coverage amounts
$25,000–$1,000,000
Age 20–50
$25K–$1M
Max face amounts by age
Age 51-60
$25K–$500k
Age 61-65
$25K–$350k
States available
Not available in New York
Payment options
Monthly ACH
60%+ instant decision. Potential additional evidence ordered. Applicants not eligible for an instant IUL offer will be routed to manual U/W or TruStage TM Advantage Whole Life.
Underwriting criteria
4 non-tobacco Preferred Plus Non-Tobacco Preferred Non-Tobacco Select Non-Tobacco Standard Non-Tobacco Table ratings 1-10 2 tobacco
Underwriting classes
Preferred Tobacco Standard Tobacco Table ratings 1-10
Average customer profile
Health
Financial & credit history
Vehicle violations
Excellent/good health with few to no chronic conditions. Any existing chronic conditions are consistently well controlled and receive regular follow-up care.
Good/fair/poor credit resulting in mid/high CBI score depending on age
Valid license not currently suspended or revoked Major violations: none within 5 years Minor violations: few to none within 3 years
Please see the Ethos Field Underwriting Guide for detailed condition-specific ratings and knockout conditions.
Replacements
Unavailable
Included at no cost Care4Life Accelerated Death Benefit or Terminal Illness (for applicants not eligible for Care4Life) Lifetime Income rider Overloan Protection Benefit (endorsement) Ethos Perks Rider (online estate planning tools)
Available at an additional cost Accidental Death Benefit Waiver of Specified Premium
Available riders & perks
Please refer to our Agent Guide for age, underwriting and state restrictions on rider availability.
Underwriting & Product Overview
16
Ethos IUL (Continued)
Available index accounts
Please refer to the Ethos agent portal (Agent Resource Center » Products) for cap and par rates. All accounts have a 0% floor.]
S&P 500® Sector Rotator Daily RC2 5% Index | 1 Yr S&P 500® Index | 1 Yr & 2 Yr BNP Paribas Momentum Multi Asset 5 Index | 1 Yr & 2 Yr
The S&P 500® Sector Rotator Daily RC2 5% Index has limited historical information having launched on 10/19/2018. For more information about the S&P 500® Sector Rotator Daily RC2 5% Index, visit https://www.spglobal.com/spdji/en/indices/strategy/sp-500-sector-rotator-daily-rc2-5- index/#overview . The S&P 500® and S&P 500® Sector Rotator Daily RC2 5% are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by Ameritas Life Insurance Corp. S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). Ameritas Life Insurance Corp.’s life insurance products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500® or S&P 500® Sector Rotator Daily RC2 5%. The BNP Paribas Momentum Multi-Asset 5 Index (the “Index”) has limited historical information having launched on 1/27/2017. For more information about the Index, visit https://momentum5index.bnpparibas.com . The Ameritas Life Insurance Corp.’s life insurance product is not sponsored, endorsed, sold, or promoted by BNP Paribas or any of its affiliates (collectively, “BNP Paribas”). Neither BNP Paribas nor any other party (including without limitation any calculation agents or data providers) makes any representation or warranty, express or implied, regarding the advisability of purchasing this product. The BNP Paribas Momentum Multi-Asset 5 Index, US Innovative Leaders 5 Index, and US Governance Multi-Asset Index (the “Indices”) are the exclusive property of BNP Paribas. BNP Paribas and the Indices are service marks of BNP Paribas and have been licensed for use for certain purposes by Ameritas Life Insurance Corp. Neither BNP Paribas nor any other party has or will have any obligation or liability to owners of this product in connection with the administration or marketing of this product, and neither BNP Paribas nor any other party guarantees the accuracy and/or the completeness of the Indices or any data included therein.
Underwriting & Product Overview
17
TruStage™ Advantage Whole Life Whole Life Insurance
Carrier
MEMBERS Life Insurance Company
Issue age
Age 20–85 (age last)
Coverage amounts
$5,000–$100,000
Age 18–70
$5,000–$100,000
Max face amounts by age
Age 71–75
$5,000–$50,000
Age 76–85
$5,000–$25,000
Premiums
Level
States available
Not available in Connecticut or New York
Payment options
Monthly, quarterly, bi-annually, annually via debit/credit card, ACH
Underwriting criteria
8 health questions + Rx check. 100% instant decision.
Underwriting classes
Non-Tobacco and Tobacco
Average customer profile
Health
Financial & credit history
Vehicle violations
Good to fair health. Not currently disabled.
Good/fair/poor credit resulting in mid/high CBI score depending on age
Not underwritten
For more information about our TruStage TM products, please visit our TruStage FAQs.
Replacements
Unavailable
Annual policy fee
$36 (included in premium, non-commissionable)
Available riders & perks
Ethos estate planning tools at no additional cost (except WA & SD)
Underwriting & Product Overview
18
TruStage™ Guaranteed Acceptance Whole Life Guaranteed issue whole life
Carrier
CMFG Life Insurance Company
Issue age
Age 45–80 (age last)
$2,000–$25,000 deferred death benefit. During the first two years, benefit for non-accidental death is limited to return of premium plus interest.
Coverage amounts
Premiums
Level
States available
Not available in Washington or New York
Payment options
Monthly, quarterly, bi-annually, annually via debit/credit card, ACH
Underwriting criteria
No health questions. 100% instant decision.
Underwriting classes
N/A
Average customer profile
Health
Financial & credit history
Vehicle violations
Poor
Good/fair/poor credit resulting in mid/high CBI score depending on age
Not underwritten
For more information about our TruStage TM products, please visit our TruStage FAQs.
Replacements
Unavailable
Annual policy fee
N/A
Available riders & perks
Ethos estate planning tools at no additional cost (except WA & SD)
Getting Started as an Agent for Ethos
19
Getting Started as an Agent for Ethos Scale your business with our robust agent portal, Ethos Agent Academy training and support whenever you need it!
Get familiar with your portal
1 The portal is already personalized with your company name. 2 These icons let you easily manage your business with Ethos. 3 If you are a licensed life insurance agent, you can generate a quote and send it to your client as a link. 4 All agents can invite clients to apply for a life insurance policy by emailing them their unique agent landing page to get a quote. 5 In the Agent Resource Center, you’ll find a self-serve onboarding program, training videos, and robust sales and marketing materials. 6 You can also click on the Chat bubble at the top of the page.
1
2
3
5
6
4
Getting Started as an Agent for Ethos
20
The basics: Go to the portal and click on Settings in the lower-right corner to complete your contact information.
Complete your onboarding
Track the status of your cases
Easily see who is in the quoting process, who has applied and what their status is as well as your overall performance including policies activated and premium dollars.
Get paid
We’ll email you an invitation (from Ethos Technologies Inc, via Routable) to enter your tax information and preferred payment method. We pay commissions as earned, so you’ll be paid at the same frequency as the customer’s premiums. We pay weekly for policy activations that happen on or before the previous Friday, and bonuses monthly. Policies are considered activated once the client enters a
For licensed life insurance agents only
payment method that’s successfully processed. See “ How Do I Get Paid? ” for more details.
Contact us
Click “Contact Us” from any page in the agent portal.
Ready to start quoting? Go to the agent portal now!
Getting Started as an Agent for Ethos
21
Promoting Ethos You are welcome to promote Ethos life insurance in any way you want: by phone, on your website, via emails or social media, such as Facebook or LinkedIn. But it’s important that you follow a few rules when doing so.
• Always be honest, accurate, and transparent. • Follow our legal and compliance guidelines. • Use our marketing materials, or if producing your own: • Before using them, submit your marketing materials to Ethos using this online approval form . • State that products are not available in all states. • Never make disparaging statements about another insurer or its products. • Only use statistics that are recent and relevant, with clearly identified sources.
Rules and regulations
Make each email personal Instead of sending mass “auto-comm” emails that can end up in spam, take the time to personalize each email to your prospects. Also, make sure each has a footer that includes your or your agency’s full name, address, “This is an ad,” and an “Unsubscribe” link. Get permission before texting or calling Calling or sending text messages can be a great way to contact clients or prospects. However, you’ll need their written permission first. If they opt out by responding with “unsubscribe,” “stop,” “don’t contact me,” or something similar, you must immediately stop contacting that client. Maintain your own “Do Not Contact” list to ensure you keep track of any customer opt-outs. Cross-check your list against federal and relevant state Do Not Call/ Contact lists. Use ready-made client materials You can find updated, client-approved materials that are ready for you to use and share on the agent portal.
Tips for communicating with clients
Getting Started as an Agent for Ethos
22
Marketing do’s and don’ts We’ve included a few of the major do’s and don’ts of marketing Ethos products. Please see our legal and compliance guidelines for more information.
DO
• Clearly disclose the name and address of the insurer anytime you advertise a policy. • Prominently describe the type of policy being advertised, indicate that it is life insurance, and identify the policy form. • Comply with applicable statutes, rules, and regulations. • Any statistics must be cited and must be less than five years old. • Clearly define the scope and extent of a recommendation by any commercial rating system. • Testimonials, appraisals, or analysis must be genuine, a current opinion of the author, applicable to the policy, and accurately reproduced.
• All stated or implied endorsements by a group of individuals, society, or association must be factual. • Clearly disclose all limitations, exclusions, or reductions.
DON’T
• Misrepresent the policy benefits, advantages or conditions, or use terms that are misleading or ambiguous. • Make unfair or incomplete comparisons with other policies. • Make false, deceptive, or misleading statements about any person, company, or organization. • Offer unlawful rebates. • Use terminology that would lead a prospective buyer to believe that he or she is purchasing an investment or savings plan. • Omit material that is necessary to the prospective purchaser’s full understanding of the product and how it works. • Use the words “special” or “limited” with regards to the policies, application process, or client groups.
23
Let’s get started! We’re looking forward to working with you to build your business and protect families from financial hardship.
How to contact us Click the “Contact Us” icon at the bottom of all pages in the agent portal. If we’re not available to talk right then, please leave us a message and we’ll return your call as quickly as possible.
All producers should be acting within the scope of their license. A life insurance license is required to sell, solicit, or negotiate life insurance. For agent use only. Not for distribution to consumers.
© 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 www.ethoslife.com/carriers. Products and their features may not be available in all states. To help avoid requiring a medical exam, our application asks certain health and lifestyle questions. In approved states, Ethos Term Life – Prime policy (form ICC23-CDT and state variations) from Legal & General America is underwritten and issued by Banner Life Insurance Company, Urbana, MD. Banner Life and Ethos Technologies Inc. are separate and independent companies. Banner Life products are distributed in 49 states and in DC. Banner Life is not authorized as an insurer and does not do business in New York. Prime policy premiums based on preferred plus non-tobacco, preferred non-tobacco, standard non-tobacco, standard tobacco and table ratings underwriting classes.
In approved states, 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).
In approved states, Ethos Index Universal life insurance (form 3030 3-23 with 3030 SCH 3-23) is issued by Ameritas Life Insurance Corp. In Oregon, policy form ICC23 3030 3-23 with ICC23 3030 SCH 3-23. The product is not available in New York. 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 ameritas.com. © 2024 Ameritas Mutual Holding Company.
John Hancock Simple Term is issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116. Not available in New York. Policy form series ICC21 21LFTERMHE; 21LFTERMHE.
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. Proprietary and Confidential. Further Reproduction, Adaptation or Distribution Prohibited. © TruStage. LEGAL: Privacy | Terms and Conditions | Confidentiality
In approved states, Ethos Final Expense insurance policies (form series ICC21-SL SIWL, ICC21-SL GIWL and state-specific versions) are issued by Senior Life Insurance Company. The products are not available in all states.
Ethos 00-0523 GAWL, SIT1, SIT2, TAWL-4986178.14-1022-1124
John Hancock Simple Term is issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116. Not available in New York. Policy form series ICC21 21LFTERMHE; 21LFTERMHE.
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