Ethos Agent Playbook

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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