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Underwriting & Product Overview
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 20–85. All products come with a 30-day free look period. Products are available for U.S citizens and permanent residents only.
Min/max issue age
Carrier
Product type
Carrier
Coverage max
Ethos Term Life – Prime
Up to $2M (varies by age)
Term life
LGA or Protective
20-65
Ameritas Life I nsurance C orp.
Ethos Term Lif e – C hoice
Term life
Up to $ 1M
20-65
TruStage TM Term Life
Term life (increasing)
CM FG Life I nsurance C ompany
Up to $300 K
20-69
J ohn H ancock Simple Term with V italit y with RO P
J ohn H ancock Life I nsurance C ompany, U.S.A.
Term life
Up to $500 K
20-50
Ethos I nde x Universal Life
I ndex universal life
Ameritas Life I nsurance C orp.
Up to $ 1M
20-65
TruStage T M Advantage Whole Life
M E M B E R S Life I nsurance C ompany
Whole life
Up to $ 1 00 K
20-85
TruStage TM Guaranteed Acceptance Whole Life
CM FG Life I nsurance C ompany
Up to $25 K graded death benefit
Whole life
4 5-80
1 8– 7 0 (coverage to age 80)
Accidental D eath
Accidental D eath
M utual of O maha
Up to $500 K
For full underwriting information
Please see the
Ethos Field Underwriting Guide
for detailed condition-specific ratings
and knockout conditions.
For TruStageTM products, please visit our
TruStage FAQs.
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