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Underwriting & Product Overview
Ethos Term Life – Prime
Most selective risk class term life insurance — select agents
Carrier
Legal & General America
Issue age
Age 20–65 (age nearest)
Coverage amounts
$100,000–$2 million
Age 20–50
$100K–$2M
Available face amounts by age
Age 51–60
$100K–$1M
Age 61–65
$100K–$500K
Age 20-40
10, 15, 20, 25, 30, 35*, 40* yr
10, 15, 20, 25, 30, 35* yr (40 yr non-tobacco only)
Age 41–45
10, 15, 20, 25, 30 yr (35 yr non-tobacco only)
Age 46–50
Term length *select agents
Age 51–55
10, 15, 20, 25 yr
10, 15, 20 yr (25 yr non-tobacco only)
Age 56-60
Age 61-65
10, 15 yr
Premiums
Level for specified term period
States available
Not available in New York
Payment options
ACH
Application q uestions and t h ird-party evidence c h eck s Potential additional evidence ordered . 9 0 % instant decision . APS review for age 61 & up .
U nderwriting criteria
Preferred Plus Non- T obacc o Preferred Non- T obacc o Standard Non- T obacc o Standard T obacc o T able R atings
U nderwriting classes
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