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/AIDS Uncontrolled diabetes Current confinement or admission to a hospital Pending criminal charges or conviction of a felony or multiple misdemeanors within the past two years Disability requiring assistance with care and activities of daily living Hospitalization two or more times within the past six months Unexplained weight change of greater than 15 pounds within the past six months Hypertension with complications within the past two years Any of the following diagnosed within the past two years: Cancer Mental/psychiatric conditions Stroke (all types) Paralysis Brain or nervous system disease or disorder, including Alzheimer’s disease, dementia, and Lou Gehrig’s disease (ALS)
Lung disease or disorder Liver disease or disorder Kidney disease or disorder Systemic Lupus (SLE) Muscular dystrophy Organ transplant Aneurysm Amputation Illegal drug use Alcohol and/or drug abuse
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