Ethos Agent Playbook

Underwriting & Product Overview

17

TruStage™ Advantage Whole Life Whole Life Insurance

Carrier

MEMBERS Life Insurance Company

Issue age

Age 20–85 (age last)

Coverage amounts

$5,000–$100,000

Age 18–70

$5,000–$100,000

Max face amounts by age

Age 71–75

$5,000–$50,000

Age 76–85

$5,000–$25,000

Premiums

Level

States available

Not available in Connecticut or New York

Payment options

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

Underwriting criteria

8 health questions + Rx check. 100% instant decision.

Underwriting classes

Non-Tobacco and Tobacco

Average customer profile

Health

Financial & credit history

Vehicle violations

Good 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

$36 (included in premium, non-commissionable)

Available riders & perks

Ethos estate planning tools at no additional cost (except WA & SD)

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