Underwriting & Product Overview
10
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) 10, 15, 20, 25, 30 yr (35 yr non-tobacco only)
Age 41–45
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 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
Made with FlippingBook - professional solution for displaying marketing and sales documents online