Ethos Agent Playbook

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.

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