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Underwriting & Product Overview
Ethos Term Life – Prime (Continued)
Health
Financial & credit history
Vehicle violations
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
Average customer profile
Excellent/good health with few to no chronic conditions. Any existing chronic conditions are consistently well controlled and receive regular follow-up care.
Please see the for detailed condition-specific ratings and knockout conditions. Ethos Field Underwriting Guide
Excellent/good credit resulting in low/mid CBI score depending on age
Replacements
Available
Conversions
Available
Annual policy fee
$76 ( included in premium, non-commissionable )
Accelerated death benefi t Ethos estate planning tools at no additional cost ( except S D, WA, A K , and L A )
Available riders & perks
M ultiple of annual household income : Under 30: 4 0 x
30 – 39: 35 x 4 0 –4 9: 2 5 x 50 – 59: 2 0 x 6 0 –6 5: 10x
Face amount eligibility
Based on household incom e Coverage amount cannot be greater than spouse ’ s total of insurance in-force and applied for
Financial q ualifications
Non-working spouses
Retired
M aximum coverage: $ 500k
S ingle graduate students
M aximum coverage: $ 500k
S ingle undergraduate students
M aximum coverage: $2 50k
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