Underwriting & Product Overview
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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
Carrier
Product type
Carrier
Coverage max
Ethos Term Life – Prime
Banner Life or Protective
Up to $2M (varies by age)
Term life
20-65
Ameritas Life I nsurance C orp.
Ethos Term Lif e – C hoi c e
Term life
Up to $ 1M
20-65
TruStage™ Term Life
Term life (i nc reasi n g)
M E M BE RS Life I nsurance C ompany
Up to $ 3 00 K
20- 6 9
Ameritas Life In s u ra nc e C orp.
Ethos Ind e x U n iversal Life
Ind ex un iversal life
Up to $ 1M
20-65
TruStage™ Advantage Whole Life
M E MB E RS Life In s u ra nc e C ompa n y
Whole life
Up to $ 1 00 K
20- 8 5
TruStage ™ G uaranteed A cc e p tan c e Whole Life
CM F G Life In s u ra nc e C ompa n y
Up to $25 K 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.
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