Underwriting & Product Overview
12
Ethos Term Life – Spectrum Moderate risk class term life insurance
Carrier
Ameritas Life Insurance Corp.
Issue age
Age 20-65 (age nearest)
Coverage amounts
$50,000–$500,000
Max face amounts by term length
Age 20–45: $500K if Preferred Plus Non-Tobacco; $350K all other premium classes Age 46–65: $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
Payment options
Monthly ACH
Underwriting criteria
Application questions and third-party evidence checks. 100% instant decision.
Preferred Plus Non-Tobacco Preferred Non-Tobacco Standard Non-Tobacco Standard Tobacco
Underwriting classes
Average customer profile
Health
Financial & credit history
Vehicle violations
Good to fair health without significant, progressive, or debilitating conditions diagnosed or treated within within 10 years.
Good/fair/poor credit resulting in mid/high CBI score depending on age
Valid license not currently suspended or revoked. No major violations within 5 years: Minor violations: no excessive number of violations within the last 5 years
Please see the Ethos Field Underwriting Guide for detailed condition-specific ratings and knockout conditions.
Replacements
Unavailable
Annual policy fee
$48 (included in premium, non-commissionable)
Available riders & perks
Ethos estate planning tools at no additional cost (except WA & SD)
For agent use only
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