Ethos Underwriting and Product Guidelines
F or l ice ns ed l i f e a g e n t s o nl y. D o n ot di s tri b ute . IUL Product Details
Please refer to our Ethos IUL Agent Guide for additional information.
For a comprehensive view of Ethos, including our products, carriers and industry innovation, please see our Ethos Playbook for Agents.
Product
Ethos Protection IUL (filed as Ethos IUL) Select agents
Accumulation IUL Select agents
Best-Moderate Risk
Best-Moderate Risk
Carrier
Ameritas Life Insurance Corp.
North American Company for Life and Health Insurance
Av era g e cu s to m er p ro fil e
Health
Excellent/good health with few to no chronic conditions. Any existing chronic conditions are consistently well controlled and receive regular follow-up care
Excellent/good health with few to no chronic conditions. Any existing chronic conditions are consistently well controlled and receive regular follow-up care.
Financial & credit history
Good/fair/poor credit resulting in mid/high CBI score
Good/fair/poor credit resulting in mid/high CBI score
Vehicle violations
Valid license not currently suspended or revoke d
Valid license not suspended or revoked within the last yea r
No ma j or violations 1 within 5 years ; few to no minor violations 2 within 3 years
No ma j or violations 1 within 5 years
Ag e
Age 20–65 ( age nearest )
18 to 65 years ( age last )
Co v era g e
$25,000–$1,000,000
$25,000–$2,000,000
Age 20 - 50: up to $1M Age 51 - 60: up to $500K Age 61 - 65: up to $350K
Age 18 - 50 up to $2M Age 51 - 60 up to $1M Age 61 - 65 up to $250K
Un der w riti ng p roce ss
90%+ in s tant de ci s ion . Potential additional evidence ordered. Applicants not eligible for an instant IUL offer will be routed to manual U/W or TruStage TM Advantage Whole Life. Application questions and 3rd party evidence checks
80% i ns ta n t deci s io n . Application questions and 3rd party evidence checks. Potential additional evidence ordered. Applicants not eligible for an instant IUL offer will be routed to manual underwriting or TruStage™ Advantage Whole Life.
4 non-tobacco Preferred Plus Non-Tobacco Preferred Non-Tobacco Select Non-Tobacco Standard Non-Tobacco with table ratings 1-10
N o n -T o b acc o Preferred Plus
T o b acc o Preferred Standard Table B, C, D, E, F, H
Un der w riti ng c l a ss e s
2 tobacco Preferred Tobacco Standard Tobacco with table ratings 1-10
Preferred Standard Table B, C, D, E, F, H
F ree l oo k p eriod
30 days
30 days
R e pl ace m e n t s
U navaila b le
U navaila b le
Pa y m e n t s
Monthly and annual ACH
Monthly , q uarterly , semi-annual and annual ACH
Included at no cost Care4Life Accelerated Death Benefit (eligibility subject to underwriting). Lifetime Income rider
Included at no cost A cceler a ted D e a t h B ene fi ts f or C ritic a l , Ch ronic a nd T er m in a l I llness (eligibility subject to underwriting). P rotected D e a t h B ene fit Ov erlo a n P rotection B ene fit R eturn o f P re m iu m D e a t h B ene fi t E ndorse m en t Ethos estate planning toolkit3
Available riders & perks
Please refer to our for age, underwriting and state restrictions on rider availability. Ethos IUL Agent Guide
Overloan Protection Benefit Ethos estate planning toolkit3
Available at an additional cost Accidental Death Benefit Waiver of Specified Premium
See the
Accumulation IUL Agent Guide
for
Available at an additional cost
complete product information.
Waiver of M onthl y Deduction s F le x i b le Benefit R ide r Accidental Death Benefit
S tate a n d ot h er e l i g i b i l it y i n f or m atio n
NY | Support for ITIN, EAD & most visas; see our
Foreign
Not availa b le in CA , O R and N Y
National Agent Guide
for more info | Max 4 apps from non-
Ethos carriers in prior 12 months
F i n a n cia l Q ua l i fi catio ns
F ace a m ou n t e l i g i b i l it y
Multiple of annual household income : Age < 30: 4 0 x | Age 30– 3 9 : 35 x | Age 4 0– 49 : 25 x | Age 50–5 9 : 20 x | Age 60–65: 10 x
Multiple of Annual Household Income : Age 18 - 30: 30 x | Age 31 - 4 0: 25 x | Age 4 1 - 50: 20 x | Age 51 - 60: 15 x | Age 61 - 65: 10 x
N o n - w or k i ng sp ou s e s
Based on household income. Coverage amount cannot b e greater than spouse ’ s total of insurance in-force and applied for.
Based on household income. Coverage amount cannot b e greater than spouse ’ s total of insurance in-force and applied for. Maximum of $500K without spousal coverage.
A dditio n a l fin a n cia l m a x e s
Retired and single graduate students : $500K | S ingle undergraduate students : $250K
S ingle college students ( undergraduate or graduate ) : Maximum $1 M
1 DUI/DWI, reckless driving, speed >90mph, accident resulting in injury, driving while license suspended 2 Minor violations: speeding <90mph, accident not resulting in injury, careless driving 3 Estate planning tools are available under the Perks benefit issued with eligible policies sold through Ethos. Policies issued in SD, WA, AK, and LA are not eligible to receive the Ethos Estate Planning perk. © 2025 Ethos Technologies Inc. Ethos operates in some states as Ethos Life Insurance Services. CA license #0L28949; AR license #100164629. Ethos offers policies issued by the carriers listed at www.ethoslife.com/carriers. Products and their features may not be available in all states.
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