Underwriting & Product Overview
11
Ethos Term Life – Prime (Continued)
Financial & credit history
Health
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
Available to . Conversion window is the earlier of one half of the level term period or attained age 65. Life Step UL
Conversions
Level term period
10 15 20 25 30 35 40
Conversion period ( years from issue )*
7 1 0
12 1 5
17 2 0
5
Accele r ate d d eat h bene fit Et ho s estate plannin g t oo ls at n o a dd iti o nal c o st ( except SD , WA, A K , an d L A )
Available r i d e r s & pe r ks
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 60 – 65: 1 0x
Face amount eligibility
Based on household incom e Coverage amount cannot be greater than spouse ’ s total of insuranc e in-force and applied for
Financial qu ali fi cati o ns
Non-working spouses
R etired
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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