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Underwriting & Product Overview
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
Available face amounts by age
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, AC H
Application q uestions and third - party evidence checks. Potential additional evidence ordered. 9 0 % instant decision.
U nderwriting criteria
Preferred Plu s Preferre d Standard Plu s Standard + table ratings 1 - 10
U nderwriting classes
H ealth
Financial & credit history
V ehicle violations
Average customer profil e
Ex cellent / good health with few to no chronic conditions. Any e x isting chronic conditions are consistently well controlled and receive regular follow - up care.
V alid license not currently suspended or revoke d Ma j or violations: none within 5 year s Minor violations: few to none within 3 years
Please see the for detailed condition - specific ratings and knockout conditions. Ethos Field Underwriting Guide
G ood / fair / poor credit resulting in mid / high C B I score depending on age
R eplacements
U navailable
Annual policy fee
$10 8 (included in premium, non - commissionable)
Critical, Chronic and Terminal Illness Accelerated B enefits rider included at no cost, covers 1 8 q ualifying conditions. E ligibility is sub j ect to underwriting. Certain applicants will receive only the Terminal Illness R ider (TI R ) .
Available riders & perks
E thos estate planning tools at no additional cost (e x cept S D , W A, AK, and LA)
For agent use only
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