Ethos Agent Playbook

Underwriting & Product Overview

13

TruStage™ Term Life Term life insurance increasing premium

Carrier

CMFG Life Insurance Company

Issue age

Age 20–69 (age last)

Coverage amounts

$5,000–$300,000 annually renewable to age 80

Premiums

Increasing every 5 attained ages

States available

Not available in New York

Payment options

Monthly, quarterly, bi-annually, annually via debit/credit card, ACH

Underwriting criteria

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

Band 1: $5,000–$100,000 combined Non-Tobacco/Tobacco rating (single risk class) Band 2: $150,000–$300,000 separate Non-Tobacco and Tobacco rates

Underwriting classes

Average customer profile

Health

Financial & credit history

Vehicle violations

Average to fair health. Not currently disabled.

Good/fair/poor credit resulting in mid/high CBI score depending on age

Not underwritten

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

Replacements

Unavailable

Annual policy fee

Band 1: $30 / Band 2: $60 (included in premium, non-commissionable)

Convertible to whole life. Ethos estate planning tools at no additional cost (except WA & SD).

Available riders & perks

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