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/AIDq 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 livint 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 transplanº Aneurys Amputatio¿ Illegal drug us° Alcohol and/or drug abuse
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