Supercharge Your Business Ethos for Agents Playbook
For licensed life agents only | Updated October 2025
Table of contents
3
Why Ethos?
9
Underwriting & Product Overview
Getting Started as an Agent for Ethos 18
22
How to Contact Us
Why Ethos? 3
In today’s world, your clients expect life insurance to be like everything else: 100% online, and simple. Meanwhile, many agents seek an alternative to traditional case management, medical exams, and delays.
Now, Ethos can help you unlock a better life insurance experience.
Why Ethos? 4
Why consumers need Ethos
Too many families go without life insurance.
More than 7% of kids in the U.S. lose a parent or sibling by age 18 1 . If that parent was a breadwinner, 55% of those families experience financial hardship within 6 months. 2 Life insurance is an important way many families can stay financially viable after the loss of a breadwinner.
Many want life insurance, but don’t know how to get it.
Forty-two percent of American adults say they need life insurance, or more of it, representing a life insurance need-gap for about 102 million adults.2
Ethos can offer coverage to more than 90% of applicants ages 20–85*.
Ethos makes it easy for you and your clients to thri v e. Today's consumers are used to instant online purchases—and have little patience for weeks or months of underwriting. Through Ethos, it generally takes about 10 minutes to get up to $2 million in life insurance coverage, with no blood test or medical exam needed, just a few health and lifestyle questions.
1. Childhood Bereavement Estimation Model, National Report 2024, Judi’s House/JAG Institute; 2. 2024 Insurance Barometer Study, Life Happens and LIMRA; *Averaged across ages.
Why Ethos? 5
How Ethos works Our proprietary underwriting engine chooses an appropriate product for each client, so you don’t have to. The typical customer journey is simple and direct.
AGENT SENDS LINK TO CLIENT
GETS QUOTE
APP STARTED
APP APPROVED
PICKS COVERAGE OPTIONS
UNDERWRITING
PROVIDES PAYMENT
COVERAGE BEGINS
Underwriting happens quickly.
Underwriting happens quickly, usually instantly, with information pulled from authorized data sources, such as motor vehicle records, prescription history, the client’s credit-based insurance score, and Medical Information Bureau (MIB) data.
Our smart-routing application determines the best product fit for your client.
Our algorithm will instantly route your client to the product for which they qualify. If their application isn’t instantly approved, it will be reviewed by an underwriter. They may ask your client additional questions or request documentation.
Y our clients can fill out the application themsel v es.
This may be di ff erent than what you’re used to, but it’s one of the reasons we can provide life insurance coverage to your clients so quickly. Because they’re automatically routed to the right product and pricing for which they qualify, many agents fi nd the process frees up time. H ours that used to be spent assessing products are now invested in building client relationships and growing their business.
Why Ethos? 6
Why agents love Ethos
It’s easy to love Ethos. That’s because we make life insurance sales simple, easy, and profitable for agents, with a policy to fit any client need.
90 %+
Zero
100 %
industry-leading application approval rate
case management
online experience that takes about 10 minutes
70 NPS *
$2 M
Fast To get started, all you need is a valid life insurance license
superior customer service
maximum coverage
*as of June 2024
Why Ethos? 7
More to love
Superior customer ratings
70 NPS *
4.8/5 on Trustpilot
4.5/5 Google
Source: TrustPilot, January 2025
Source: Google, January 2025
Source: Delighted 30-day NPS, June 2024
Robust platform
Co-branded application site
Multiple ways to grow
Onboard fast with comprehensive online training and ongoing webinars. Our agent portal includes an instant quoter, real- time client and earning status, and key sales tools all in one place.
Once you’re onboarded with us, we’ll send you a link to your application page with your name on it. Embed this link directly into your website or send via email to clients and prospects.
En j oy prompt weekly payment , lead connection services, and competitive compensation. R eferral rewards, bonus programs, and agency incentives o ff er additional ways to scale your business.
W e wor k wit h t h e best in t h e business
Why Ethos? 8
Our origins When founders Lingke Wang and Peter Colis were in college, Lingke was upsold a life insurance policy he didn’t need and couldn’t afford. He eventually let the policy lapse, losing the money he’d put into it. Lingke realized many Americans might not know enough about life insurance to get the right coverage for their families. He and Peter set out to make life insurance more affordable, accessible, and straightforward with the creation of Ethos in 2016.
Our mission We’re on a mission to protect the next million families.
Our people
Our investors
Ethos employs hundreds of team members in offices in San Francisco, California and Bangalore, India.
Ethos has raised over $400 million from Accel, Sequoia, SoftBank Vision Fund 2, General Catalyst, and GV. They invest in our vision for a fresh approach to life insurance.
Underwriting & Product Overview
9
Underwriting & Product Overview
At Ethos, we aim to be the name you consider first for all your clients. From the fittest to the most challenging cases and everyone in between, we can approve more than 90% of applicants. We reach this remarkable number using a broad array of term and whole life final expense products, and our proprietary underwriting platform that considers more than 300,000 data points in every coverage decision. This platform allows us to make underwriting decisions with greater accuracy, and fulfill our mission to protect the next million families with greater speed.
We offer face amounts up to $2 million and coverage for people age 18–85. All products come with a 30-day free look period.
Min/max issue age
Product
Product type
Carrier
Coverage max
Ethos Term Life – Prime
Banner Life or Protective
Up to $2M (varies by age)
Term life
2 0 - 65
Ameritas Life I nsurance C orp.
Ethos Term Lif e – C hoi c e
Term life
Up to $ 1M
2 0 - 65
TruStage™ Term Life
Term life ( increasing )
M E M BE RS Life I nsurance C ompany
Up to $ 300K
20- 6 9
N orth American Company for Life and Health Insurance
Accumulation I ndexed U niversal Life
Ind ex un iversal life
U p to $2 M
18- 6 5
Ethos Ind e x U n iversal Life
Ind ex un iversal life
Ameritas Life In s u ra nc e C orp.
Up to $ 1M
2 0 - 65
TruStage ™ Adv a n tage Whol e Life
M E M B E RS Life In s u ra nc e C ompa n y
Whole life
Up to $ 100K
2 0 - 8 5
TruStage ™ G uara n tee d Acc e p ta nc e Whol e Life
CM F G Life In s u ra nc e C ompa n y
Up to $2 5K gra d e d d eath be n e fi t
Whole life
4 5 - 8 0
For full underwriting information
Please see the
Ethos Field Underwriting Guide
for detailed condition-specific
ratings and knockout conditions.
For TruStage™ products, please visit our
TruStage FAQs.
Underwriting & Product Overview
10
Ethos Term Life – Prime
Most selective risk class term life insurance — select agents
Carrier
Legal & General America or Protective
Age 20–65 (age nearest)
Issue age
$100,000–$2 million
Coverage amounts
$100K–$2M
Age 20–50
Available face amounts by age
$100K–$1M
Age 51–60
Age 61–65
$100K–$500K
Age 20-40
10, 15, 20, 25, 30, 35*, 40* yr
10, 15, 20, 25, 30, 35* yr (40 yr non-tobacco only)
Age 41–45
10, 15, 20, 25, 30 yr (35 yr non-tobacco only)
Age 46–50
Term length *select agents
Age 51–55
10, 15, 20, 25 yr
10, 15, 20 yr (25 yr non-tobacco only)
Age 56-60
Age 61-65
10, 15 yr
Level for specified term period
Premiums
States available
Not available in New York
ACH
Payment options
Application q uestions and t h ird-party evidence c h eck s Potential additional evidence ordered . 9 0 % instant decision . APS review for age 61 & up .
U nderwriting criteria
Preferred Plus Non- T obacc o Preferred Non- T obacc o Standard Non- T obacc o Standard T obacc o T able R atings
U nderwriting classes
Underwriting & Product Overview
11
Ethos Term Life – Prime (Continued)
Financial & credit history
Health
Vehicle violations
Valid license not currently suspended or revoked. No major violations within 5 years: DUI/DWI, reckless driving, speed >90mph, accident resulting in injury, driving while license suspended. Few to no minor violations within 3 years: speeding <90mph, accident not resulting in injury, careless driving
Average customer profile
Excellent/good health with few to no chronic conditions. Any existing chronic conditions are consistently well controlled and receive regular follow-up care.
Please see the for detailed condition-specific ratings and knockout conditions. Ethos Field Underwriting Guide
Excellent/good credit resulting in low/mid CBI score depending on age
Replacements
Available
Available to . Conversion window is the earlier of one half of the level term period or attained age 65. Life Step UL
Conversions
Level term period
10 15 20 25 30 35 40
Conversion period ( years from issue )*
7 1 0
12 1 5
17 2 0
5
Accelerated death bene fi t for terminal illnes s Ethos estate planning tools at no additional cost ( except S D, WA, A K , and L A )
Available r i d e r s & pe r ks
Underwriting & Product Overview
12
Ethos Term Life – Choice
Moderate risk class term life insurance
Carrier
Ameritas Life Insurance Corp.
Age 20–65 (age nearest)
Issue age
$50,000–$1,000,000
Coverage amounts
$50K–$1M
Age 20–50
Available face amounts by age
$50K–$500k
Age 51–60
Age 61–65
$50K–$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 & California
Monthly via debit / credit card, AC H
Payment options
Application q uestions and third - party evidence checks. Potential additional evidence ordered. 9 0 % instant decision.
U nderwriting criteria
Preferred Plu s Preferre d Standard Plu s Standard + table ratings 1 - 10
U nderwriting classes
Financial & credit history
H ealth
V ehicle violations
Average customer profile
Ex cellent / good health with few to no chronic conditions. Any e x isting chronic conditions are consistently well controlled and receive regular follow - up care.
V alid license not currently suspended or revoke d Ma j or violations: none within 5 year s Minor violations: few to none within 3 years
Please see the for detailed condition-specific ratings and knockout conditions. Ethos Field Underwriting Guide
G ood / fair / poor credit resulting in mid / high C B I score depending on age
R eplacements
Av a il ab l e
Critical, Chronic and Terminal Illness Accelerated B enefits rider included at no cost, covers 1 8 q ualifying conditions. E ligibility is sub j ect to underwriting. Certain applicants will receive only the Terminal Illness R ider (TI R ) .
Available riders & perks
E thos estate planning tools at no additional cost (e x cept S D , W A, AK, and LA)
For agent use only
Underwriting & Product Overview
13
TruStage™ Term Life
Term life insurance with increasing premium
Carrier
MEMBERS Life Insurance Company
Age 20–69 (age last)
Issue age
$15,000–$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.
Standard Tobacco Standard Non-Tobacco
Underwriting classes
Average customer profile
Health
F inancial & credit history
V ehicle violations
G ood / fair / poor credit resulting in mid / high CBI score depending on age
For more information about our TruStage™ products, please visit our TruStage FAQs.
Average to fair healt h Not currently disabled
Not underwritten
Replacements
Unavailable
Convertible to whole life . Accelerated D eath Bene fi t at no additional cost (e x cept CA ) Ethos estate planning tools at no additional cost (e x cept S D , W A, A K , and LA). 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, 2025 and your client turns 40 on April 1, 2025, their premium won ’ t increase until J an 11, 2026.
Available riders & perks
Premiums
Underwriting & Product Overview
14
Accumulation IUL
Index universal life insurance. Not available for all agents.
See the For available index accounts and current rates, please see the Accumulation IUL Agent Guide
for complete product information.
Accumulation IUL Rate Sheet.
Carrier
North American Company for Life and Health Insurance
18 to 65 years (age last)
Issue age
$25,000–$2,000,000
Coverage amounts
up to $2M
Age 18–50
Max face amounts by age
Age 51–60
up to $1M
Age 61–65
up to $250K
States available
Not available in CA, OR and NY
Monthly, q uarterly, semi - annual and annual ACH
Payment options
80 % instant decision. Potential additional evidence ordered. Applicants not eligible for an instant I U L o ff er w ill be routed to manual under w riting or T ruStage ™ Advantage W hole Life.
U nder w riting criteria
Non-Tobacco Preferred Plus
Tobacco Preferred Standard Table B, C, D, E, F, H
U nder w riting classes
Preferred Standard Table B, C, D, E, F, H
F inancial & credit history
Health
V ehicle violations
Average customer profile
V alid license not suspended or revo k ed w ithin the last yea r
E xcellent / good health w ith fe w to no chronic conditions. Any existing chronic conditions are consistently w ell controlled and receive regular follo w- up care.
Please see the
G ood / fair / poor credit resulting in mid / high C B I score depending on age
for detailed knockout conditions. Accumulation IUL Knockout Guide
Ma j or violations : none w ithin 5 years
Replacements
U navailable
Included at no cost Accelerated Death Benefits for Critical, Chronic and Terminal Illness. Eligibility
Available at an additional cost Waiver of Monthly Deductions Flexible Benefit Rider Accidental Death Benefit Rider
Available riders & per ks
subject to underwriting. Protected Death Benefit Overloan Protection Benefit
See the
for details. Accumulation IUL
Agent Guide
Return of Premium Death Benefit Endorsement Life Perks Rider: Ethos estate planning toolkit (n/a in SD, WA, AK, and LA)
Underwriting & Product Overview
15
Ethos Protection IUL
Index universal life insurance. Not available for all agents. This product is is marketed to the public as Ethos IUL. For available index accounts and current rates, please see the . IUL Rate Sheet
Carrier
Ameritas Life Insurance Corp.
Age 20–65 (age nearest)
Issue age
$25,000–$1,000,000
Coverage amounts
$25K–$1M
Age 20–50
Available face amounts by age
Age 51–60
$25K–$500k
Age 61–65
$25K–$350k
States available
Not available in New York
Monthly ACH
Payment options
60%+ instant decision. P otential additional evidence ordered. Applicants not eligible for an instant IUL o ff er will be routed to manual U /W or Tru S tage ™ Advantage W hole Life.
U n d erwriting criteria
4 non-tobacco Preferred Plus Non-Tobacco Preferred Non-Tobacco Select Non-Tobacco Standard Non-Tobacco Table ratings 1-10
2 tobacco Preferred Tobacco Standard Tobacco Table ratings 1-10
U n d erwriting classes
F inancial & cre d it history
Health
V ehicle violations
V ali d license not currently suspen d e d or revoke d Ma j or violations : none within 5 year s Minor violations : few to none within 3 years
Average customer profile
Excellent / goo d health with few to no chronic con d itions. Any existing chronic con d itions are consistently well controlle d an d receive regular follow - up care
Please see the for detailed condition-specific ratings and knockout conditions. Ethos Field Underwriting Guide
G oo d/ fair / poor cre d it resulting in mi d/ high C B I score d epen d ing on age
R eplacements
U navailable
Included at no cost Care4Life Accelerated Death Benefit or Terminal Illness (for applicants not eligible for Care4Life) Lifetime Income rider Overloan Protection Benefit (endorsement) Ethos estate planning tools at no additional cost (except SD, WA, AK, and LA)
Available at an additional cost Accidental Death Benefit Waiver of Specified Premium
Available ri d ers & perks
Underwriting & Product Overview
16
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 ($50K max in OH)
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- T obacco and T obacco
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 TruStage™ 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, AK, and LA)
Underwriting & Product Overview
17
TruStage™ Guaranteed Acceptance Whole Life
Guaranteed issue whole life
Carrier
CMFG Life Insurance Company
Age 45–80 (age last)
Issue age
$2,000–$25,000 deferred death benefit. During the first two years, benefit for non-accidental death is limited to return of premium plus interest.
Coverage amounts
Premiums
Level
Not available in Washington or New York
States available
Payment options
Monthly, quarterly, bi-annually, annually via ACH
Underwriting criteria
No health questions. 100% instant decision.
Underwriting classes
N/A
Average customer profile
Financial & credit history
Health
V ehicle violations
Good/fair/poor credit resulting in mid/high C B I score depending on age
For more information about our TruStage™ products, please visit our TruStage FAQs.
Poor
Not underwritten
R eplacements
Unavailable
Available riders & perks
E thos estate planning tools at no additional cost (e x cept SD, WA, A K , and LA)
Getting Started as an Agent for Ethos 18
Getting Started as an Agent for Ethos
Scale your business with your Ethos agent portal!
Get familiar with your portal
1 The portal is already personalized with your company name.
2 These icons let you easily manage your business with Ethos.
3 If you are a licensed life insurance agent, you can generate a quote and assist your client with the application and sale. 4 In the Agent Resource Center, you'll find a complete library of searchable training videos, product information and marketing materials for you and your clients. 5 All agents can invite clients to apply for a life insurance policy by emailing them their unique agent landing page to get a quote.
6 You can also click on the Chat bubble at the bottom right of each page.
32
Century Insurance Co.
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Coverage up to $1M
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Coverage up to $100K
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Coverage up to $2M
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Coverage up to $1M
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Coverage up to $300K
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Getting Started as an Agent for Ethos 19
Complete your onboarding
The basics: Go to the portal and click on Settings in the lower-right corner to complete your contact information.
Track the status of your cases
Easily see who is in the quoting process, who has applied and what their status is as well as your overall performance including policies activated and premium dollars.
Get paid
We’ll email you an invitation (from Ethos Technologies Inc, via Routable) to enter your tax information and preferred payment method. We pay commissions as earned, so you’ll be paid at the same frequency as the customer’s premiums. We pay weekly for policy activations that happen on or before the previous Friday, and bonuses monthly. Policies are considered activated once the client enters a payment method that’s successfully processed.
For licensed life insurance agents only
See
for more details. “How Do I Get Paid?”
Contact us
Click “Contact Us” from any page in the agent portal.
Ready to start quoting? Go to the
now! agent portal
Getting Started as an Agent for Ethos 20
Promoting Ethos You are welcome to promote Ethos life insurance in any way you want: by phone, on your website, via emails or social media, such as Facebook or LinkedIn. But it’s important that you follow a few rules when doing so.
Rules and regulations
Always be honest, accurate, and transparent. Follow our legal and compliance guidelines. Use our marketing materials, or if producing your own: Before using them, submit your marketing materials to Ethos using this State that products are not available in all states. Never make disparaging statements about another insurer or its products. Only use statistics that are recent and relevant, with clearly identified sources. online approval form. Make each email personal Instead of sending mass “auto-comm” emails that can end up in spam, take the time to personalize each email to your prospects. Also, make sure each has a footer that includes your or your agency’s full name, address, “This is an ad,” and an “Unsubscribe” link. Get permission before texting or calling Calling or sending text messages can be a great way to contact clients or prospects. However, you’ll need their written permission first. If they opt out by responding with “unsubscribe,” “stop,” “don’t contact me,” or something similar, you must immediately stop contacting that client. Maintain your own “Do Not Contact” list to ensure you keep track of any customer opt-outs. Cross-check your list against federal and relevant state Do Not Call/ Contact lists. Use ready-made client materials You can find updated, client-approved materials that are ready for you to use and share on the agent portal.
Tips for communicating with clients
Getting Started as an Agent for Ethos 21
Marketing do’s and don’ts
We’ve included a few of the major do’s and don’ts of marketing Ethos products. Please see our for more information. legal and compliance guidelines
DO
Clearly disclose the name and address of the insurer anytime you advertise a policy. Prominently describe the type of policy being advertised, indicate that it is life insurance, and identify the policy form. Comply with applicable statutes, rules, and regulations. Any statistics must be cited and must be less than five years old. Clearly define the scope and extent of a recommendation by any commercial rating system. Testimonials, appraisals, or analysis must be genuine, a current opinion of the author, applicable to the policy, and accurately reproduced. All stated or implied endorsements by a group of individuals, society, or association must be factual. Clearly disclose all limitations, exclusions, or reductions. Misrepresent the policy benefits, advantages or conditions, or use terms that are misleading or ambiguous. Make unfair or incomplete comparisons with other policies. Make false, deceptive, or misleading statements about any person, company, or organization. Offer unlawful rebates. Use terminology that would lead a prospective buyer to believe that he or she is purchasing an investment or savings plan. Omit material that is necessary to the prospective purchaser’s full understanding of the product and how it works. Use the words “special” or “limited” with regards to the policies, application process, or client groups.
DON’T
22
Let’s get started!
We’re looking forward to working with you to build your business and protect families from financial hardship.
How to contact us
Click the “Contact Us” icon at the bottom of all pages in the agent portal. If we’re not available to talk right then, please leave us a message and we’ll return your call as quickly as possible.
For agent use only.
The information herein is provided solely for educational purposes to provide you with information about products and services offered through Ethos. Agents are expected to act within the scope of their license and may not sell, solicit or negotiate life insurance unless licensed in the state. Compensation is paid to life licensed agents only. Subject to agents being in good standing. Some payments may be delayed based on verification of policy details. © 2026 Ethos Technologies Inc. Ethos operates in some states as Ethos Life Insurance Services. CA license #0L28949; AR license #100164629. Ethos offers policies issued by the carriers listed at www.ethoslife.com/carriers. Products and their features may not be available in all states. The information and content provided in this document is for informational purposes only and is not to be considered legal, tax, investment, or financial advice. No contract is formed or amended by this document. 1606 Headway Circle #9013, Austin, TX 78754 Banner Life and Ethos Technologies Inc. are separate and independent companies. In approved states, Banner Life Insurance Company (Urbana, MD) underwrites and issues the Ethos Term Life – Prime policy (form ICC23-CDT and state variations). Banner Life products are distributed in 49 states and in DC. Banner Life is not an authorized as a New York insurer and does not do business in New York. Policy coverage and features may not be available in all states and may vary by state. Exclusions and limitations may apply. Two-year contestability and suicide provisions apply. A one-year suicide provision applies in CO, MO, and ND. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. Term Life Insurance is offered on policy form (ICC24-PTL-1-DTC / PTL-1-DTC 4-24) in all states except New York by Protective Life Insurance Company (Protective), Omaha, NE. The product is not available in New York. Product availability and features may vary by state. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Protective and Ethos Technologies Inc. are separate, independent entities. In approved states, Ethos Index Universal life insurance (form ICC23 3030 3-23 with ICC23 3030 SCH 3-23 or form 3030 3-23 with 3030 SCH 3-23) and Ethos Term Life (form ICC3025 7-20 with ICC3025 SCH 7-20 or form 3025 7-20 with ICC3025 SCH 7-20) are issued by Ameritas Life Insurance Corp. In Oregon, Ethos IUL policy form is ICC23 3030 3-23 with ICC23 3030 SCH 3-23 and Ethos Term Life policy form is ICC3025 7-20 with ICC3025 SCH 7-20. The Critical, Chronic and Terminal Illness Accelerated Benefits riders (rider form ICC17 ADBCCTIRUL 1-17), in California (rider form ADBCHIAR UL 6-17 CA, ADBCRIAR UL 6-17 CA, ADBTIR UL 6-17 CA) on universal life policies are issued by Ameritas Life Insurance Corp. The Critical, Chronic and Terminal Illness Accelerated Benefits riders (rider form ICC16 CCTIABR 11-16), in California (rider form CHIAR T 6-17 CA, CRIAR T 6-17 CA, TIAR T 6-17 CA) on term life policies are issued by Ameritas Life Insurance Corp. Living benefits are not a long-term care product. Policy and riders may vary and may not be available in all states. Ameritas and Ethos Technologies Inc., are separate, independent entities. Ameritas® is a marketing name for subsidiaries of Ameritas Mutual Holding Company. Subsidiaries include Ameritas Life Insurance Corp. in Lincoln, Nebraska and Ameritas Life Insurance Corp. of New York (licensed in New York) in White Plains, New York. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com. Ameritas® and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life® is a registered service mark of affiliate Ameritas Holding Company. Accumulation Index Universal Life Insurance (form P100AL and state variations) is issued by North American Company for Life and Health Insurance ("North American"), West Des Moines, IA. Products, features, endorsements, riders, or issue ages may not be available in all states. Limitations or restrictions may apply. The product is not available in New York. North American and Ethos are separate, independent entities. Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including North American Company for Life and Health Insurance®. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, North American Company for Life and Health Insurance®.Accumulation Index Universal Life Insurance is issued on form P100/ICC22P100 (policy), E100/ICC22E100, E101/ICC22E101, E103/ ICC22E103, E104/ICC22E104, E105/ICC22E105, E113/ICC24E113, E114/ICC24E114, E118/ICC25E118, E119/ICC25E119, E120/ICC25E120, R100/ICC23R100, R101/ ICC23R101, R102/ICC23R102, R103/ICC23R103, R106/ICC22R106, R108/ICC25R108 (riders/ endorsements) or appropriate state variation by North American Company for Life and Health Insurance®, West Des Moines, IA. TruStage™ and Ethos are separate, independent entities. TruStage™ Term Life Insurance is issued by MEMBERS Life Insurance Company. This is a term policy to age 80 that has premiums that increase when entering each five-year band: 25, 30, 35, 40, 45, 50, 55, 60, 65, 70, and 75. Base Form: ICC25-PBT1, 2025-PBT1. TruStage™ Guaranteed Acceptance Whole Life Insurance is issued by CMFG Life Insurance Company. Death benefit is limited the first 2 years of the policy and is limited to a return of 100% of premiums, plus 10%. Base Form Numbers: ICC16-GAWL, 2016-GAWL. TruStage™ Advantage Whole Life Insurance is issued by MEMBERS Life Insurance Company. Base Form Numbers: ICC20-WLMLIC, 2020-WLMLIC. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any depository institution. Product and features may vary and not be available in all states. Corporate Headquarters: 5910 Mineral Point Road, Madison, WI 53705.
TAWL, GAWL, PBT-8423895.1-0925-1027
Ethos provides its online wills, trusts, and estate planning documents and services through Ethos Estate Planning, LLC, a wholly-owned subsidiary. Ethos Estate Planning, LLC is not a law firm and does not provide financial, investment, legal, accounting or tax advice. Complimentary W&T services offered through the perks rider not available in WA and SD; W&T services not available in AK and LA.
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