Underwriting & Product Overview
12
Ethos Term Life – Choice Moderate risk class term life insurance
Carrier
Ameritas Life Insurance Corp.
Issue age
Age 20-65 (age nearest)
Coverage amounts
$50,000–$1,000,000
Age 20–50
$50K–$1M
Max face amounts by term length
Age 51-60
$50K–$500k
Age 61-65
$50K–$350k
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 & California
Payment options
Monthly via debit/credit card, ACH
Application questions and third-party evidence checks. Potential additional evidence ordered. 90% instant decision.
Underwriting criteria
Preferred Plus Preferred Standard Plus Standard + table ratings 1-10
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.
Good/fair/poor credit resulting in mid/high CBI score depending on age
Valid license not currently suspended or revoked Major violations: none within 5 years Minor violations: few to none within 3 years
Please see the Ethos Field Underwriting Guide for detailed condition-specific ratings and knockout conditions.
Replacements
Unavailable
Annual policy fee
$108 (included in premium, non-commissionable)
Available riders & perks
Critical, Chronic and Terminal Illness Accelerated Benefits rider included at no cost, covers 18 qualifying conditions. Eligibility is subject to underwriting. Certain applicants will receive only the Terminal Illness Rider (TIR). Ethos estate planning tools provided by the Perks benefit at no additional cost (except WA & SD)
For agent use only
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