Ethos Agent Playbook

Underwriting & Product Overview

17

TruStage™ Advantage Whole Life

Whole Life Insurance

Carrier

MEMBERS Life Insurance Company

Age 20–85 (age last)

Issue age

$5,000–$100,000

Coverage amounts

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

Not available in Connecticut or New York

States available

Payment options

Monthly, quarterly, bi-annually, annually via ACH

Underwriting criteria

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

Underwriting classes

Non-Tobacco and Tobacco

Average customer profile

F inancial & credit history

Health

V ehicle violations

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

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

G ood to fair health. Not currently disabled.

Not underwritten

Replacements

Unavailable

Available riders & perks

Ethos estate planning tools at no additional cost (except S D , WA, A K , and LA)

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