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 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
Product name
Product type
Carrier
Coverage Max
Ethos Term Life – Prime
Up to $2M (varies by age)
Term life
LGA
20–65
Ethos Term Life – Choice
Ameritas Life Insurance Corp.
Term life
Up to $1M
20–65
CMFG Life Insurance Company John Hancock Life Insurance Company, U.S.A.
TruStage™ Term Life
Term life (increasing)
Up to $300k
20–69
John Hancock Simple Term with Vitality with ROP
Term life
Up to $500K
20-50
Ethos Index Universal Life
Ameritas Life Insurance Corp.
Index universal life
Up to $1M
20–65
TruStage™ Advantage Whole Life TruStage™ Guaranteed Acceptance Whole Life
MEMBERS Life Insurance Company CMFG Life Insurance Company
Whole life
Up to $100k
20–85
Up to $25k graded death benefit
Whole life
45–80
Please see the Ethos Field Underwriting Guide for detailed condition-specific ratings and knockout conditions. For TruStage TM products, please visit our TruStage FAQs.
For full underwriting information
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