Uninsurable scenarios
Please see the Underwriting and Product Guidelines at the beginning of this guide for a side-by-side view of product details and knockout conditions.
While nearly all applicants are insurable at Ethos, the following conditions may make customers ineligible for various policies available through Ethos:
Terminal illness} HIV/AIDv Uncontrolled diabetes} Current confinement or admission to a hospita Pending criminal charges or conviction of a felony or multiple misdemeanors within the past two year Disability requiring assistance with care and activities of daily living Hospitalization two or more times within the past six month Unexplained weight change of greater than 15 pounds within the past six month
Hypertension with complications within the past two year Any of the following diagnosed within the past two years:
¥ Cance® ¥ Mental/psychiatric condition© ¥ Stroke (all types ¥ Paralysi© ¥ Brain or nervous system disease or disorder, including Alzheimer’s disease, dementia, and Lou Gehrig’s disease (ALS
¥ Lung disease or disorde® ¥ Liver disease or disorde® ¥ Kidney disease or disorde® ¥ Systemic Lupus (SLE ¥ Muscular dystroph¯ ¥ Organ transplan· ¥ Aneurys ¥ Amputatioº ¥ Illegal drug us² ¥ Alcohol and/or drug abuse
11
Made with FlippingBook - professional solution for displaying marketing and sales documents online