Ethos Agent Playbook

Underwriting & Product Overview

13

TruStage™ Term Life

Term life insurance with increasing premium

Carrier

CMFG Life Insurance Company

Age 20–69 (age last)

Issue age

$5,000–$300,000

Coverage amounts

States available

Not available in New York

Monthly, quarterly, bi-annually, annually via ACH

Payment options

Underwriting criteria

Application questions and third-party evidence checks; 100% instant decision.

Band 1: $5K–$100K combined Non-Tobacco/Tobacco rating (single risk class)

Underwriting classes

Band 2 : $101K–$300K separate Non-Tobacco and Tobacco rates

Average customer profile

Health

Financial & credit history

V ehicle violations

Good/fair/poor credit resulting in mid/high C B I score depending on age

For more information about our TruStage TM products, please visit our TruStage FAQs.

Average to fair healt h Not currently disabled

Not underwritten

R eplacements

Unavailable

Convertible to whole life . E thos estate planning tools at no additional cost (e x cept S D , W A, AK, and LA).

Available riders & perks

Annually renewable to age 8 0. Premiums are banded by fi ve-year age brackets and increase on the policy anniversary following when the insured ’ s ag e ends in 0 or a 5 (e.g. 25, 30) . Example: if the policy e ff ective date is J an 11, 2023 and your client turns 40 on April 1, 2025, their premium won ’ t increase until J an 11, 2026 . Visit TruStage website for premium tables

Premiums

Made with FlippingBook - professional solution for displaying marketing and sales documents online