Ethos Underwriting and Product Guidelines
F or licensed life a g ents onl y . Do not distribute. Term Life Knockouts
For TruStage" Term Life underwriting guide, please see the(T TruStage Life Insurance Underwriting Guide
Product
Ethos Term Life - Prime Select agents
Ethos Term Life - Choice
Best Risk
Moderate Risk
BMI (if any weight lost within the past 12 months, half of weight lost is added back when calculating BMI)
<18 or >48.9
<18 or >48.9
BMI (if any weight lost within the past 12 months, half of weight lost is added back when calculating BMI)
<18 or >48.9
<18 or >48.9
Blood pressure
Average BP within the past 12 months:( Age 18-39: >150/98( Age 40-49: >160/98( Age 50-59: >165/100( Age 60: >175/100
Average BP within the past 12 months:( Age 18-39: >150/98( Age 40-49: >160/98( Age 50-59: >165/100( Age 60: >175/100
Cholesterol
Total cholesterol >350
Total cholesterol >350
Diabetes
Diagnosed before age 40 and requiring insulin
Diagnosed before age 40 and requiring insulin
Mental illness
S evere an x iet y, depression , PT S D , bipolar disorder , or other mental disorder with histor y of suicidal thoughts or attempt within 10 y ears , hospitali z ation or inpatient treatment related to condition within the last 5 y ears , disabilit y or missed work/ school ( more than 10 da y s ) in the last 12 months
S evere an x iet y, depression , PT S D , bipolar disorder , or other mental disorder with histor y of suicidal thoughts or attempt within 10 y ears , hospitali z ation or inpatient treatment related to condition within the last 5 y ears , disabilit y or missed work/ school ( more than 10 da y s ) in the last 12 months
C OVI D- 19
An y s y mptoms or positive test within the past 14 da ys
An y s y mptoms or positive test within the past 14 da ys
HIV/AI DS
All cases
All cases
Cancer
All cancers diagnosed within the past 10 y ears , e x cluding skin cancers ( eg: basal cell skin cancer , squamous cell skin cancer , melanoma ) and some cases of l y mphoma
All cancers diagnosed within the past 10 y ears , e x cluding skin cancers ( eg: basal cell skin cancer , squamous cell skin cancer , melanoma ) and some cases of l y mphoma
N eurolo g ical disease or brain disorder
An y other than epileps y /sei z ures , multiple sclerosis , Bell ˇ s pals y, restless leg s y ndrome , narcoleps y, vertigo , migraine
An y other than epileps y /sei z ures , multiple sclerosis , Bell ˇ s pals y, restless leg s y ndrome , narcoleps y, vertigo , migraine
Cardio v ascular disease
H eart disease , congestive heart disorder , heart failure , valve disorder , cardiom y opath y, coronar y arter y disease , peripheral vascular disease , pulmonar y h y pertension , carotid arter y disease
H eart disease , congestive heart disorder , heart failure , valve disorder , cardiom y opath y, coronar y arter y disease , peripheral vascular disease , pulmonar y h y pertension , carotid arter y disease
Li v er disease or disorder
An y other than recovered hepatitis A or recovered hepatitis B/ C ( past 5 y ears)
An y other than recovered hepatitis A or recovered hepatitis B/ C ( past 5 y ears)
K idne y disease or disorder
K idne y failure , pol y c y stic kidne y disease , chronic kidne y disease , dial y sis ( other than kidne y stones)
K idne y failure , pol y c y stic kidne y disease , chronic kidne y disease , dial y sis ( other than kidne y stones)
R espirator y disease or disorder
C hronic obstructive pulmonar y disease ( CO PD ), emph y sema or chronic bronchitis , pulmonar y fi brosis , c y stic fi brosis ( CF ), central sleep apnea , e x cludes: treated obstructive sleep apnea , mild asthma or single pulmonar y embolisms ( more than 5 y ears ago)
C hronic obstructive pulmonar y disease ( CO PD ), emph y sema or chronic bronchitis , pulmonar y fi brosis , c y stic fi brosis ( CF ), central sleep apnea , e x cludes: treated obstructive sleep apnea , mild asthma or single pulmonar y embolisms ( more than 5 y ears ago)
A utoimmune disease or disorder
L upus/ S LE , scleroderma
L upus/ S LE , scleroderma
Connecti v e tissue disease or disorder
N ot applicable
N ot applicable
O r g an transplant
All cases
All cases
Criminal history
F elonies , probation or parole within last 10 y ears ; multiple recent misdemeanors. S ome felonies older than 10 y ears accepted with individual consideration
F elonies , probation or parole within last 10 y ears ; multiple recent misdemeanors. S ome felonies older than 10 y ears accepted with individual consideration
Dru g/A lcohol use
I llegal drug use or drug/alcohol abuse ( past 10 y ears)
I llegal drug use or drug/alcohol abuse ( past 10 y ears)
Disability
U nable to work more than 30 consecutive da y s due to in j ur y / illness within the past 12 months
U nable to work more than 30 consecutive da y s due to in j ur y / illness within the past 12 months
Dri v ing
D UI , D W I , hit-and-run , or reckless driving within the past 5 y ears , or suspended/revoked driver ˇ s license within the past y ear
D UI , D W I , hit-and-run , or reckless driving within the past 5 y ears , or suspended/revoked driver ˇ s license within the past y ear
O ther
An y medicall y recommended diagnostic testing or treatment not completed or awaiting results
An y medicall y recommended diagnostic testing or treatment not completed or awaiting results
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