Ethos Underwriting and Product Guidelines
F or licensed life a g ents onl y . Do not distribute . IUL Knockouts
Product
Ethos IUL, Indexed Universal Life Not available for all agents
Best-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
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 60-65: >175/100
Cholesterol
Total cholesterol >350
Diabetes
<Age 30, associated with physical complications (eyes, kidneys, neuropathy, amputation), A1C >9.5 (past 12 months), no testing or check up within the last 12 months, BMI >41.49
Mental illness
Severe anxiety, depression, PTSD, bipolar disorder, or other mental disorder with history of suicidal thoughts or attempt within 10 years, hospitalization or inpatient treatment related to condition within the last 5 years, disability or missed work/school (more than 10 days) in the last 12 months
C OV ID -19
Any symptoms or positive test within the past 14 days
H I V/A ID S
All cases
Cancer
All cancers diagnosed within the past 10 years, excluding skin cancers (eg: basal cell skin cancer, s q uamous cell skin cancer, melanoma) and some cases of lymphoma
N eurolo g ical disease or brain disorder
Any other than epilepsy/seizures, multiple sclerosis, Bell ’ s palsy, restless leg syndrome, narcolepsy, vertigo, migraine
Cardiovascular disease
H eart disease, congestive heart disorder, heart failure, valve disorder, cardiomyopathy, coronary artery disease, peripheral vascular/ artery disease, pulmonary hypertension, carotid artery disease
Liver disease or disorder
Any other than recovered hepatitis A or recovered hepatitis B/C (past 5 years)
K idne y disease or disorder
K idney failure, polycystic kidney disease, chronic kidney disease, dialysis (other than kidney stones)
R espirator y disease or disorder
Chronic obstructive pulmonary disease (C O PD), emphysema or chronic bronchitis, pulmonary fi brosis, cystic fi brosis (C F ), central sleep apnea, excludes: treated obstructive sleep apnea, mild asthma or single pulmonary embolisms (more than 5 years ago)
A utoi mm une disease or disorder
L upus/S LE , scleroderma
Connective tissue disease or disorder
N ot applicable
O r g an transplant
All cases
Cri m inal histor y
F elonies, probation or parole within last 10 years ; multiple recent misdemeanors. Some felonies older than 10 years accepted with individual consideration
Dru g/A lcohol use
Illegal drug use or drug/alcohol abuse (past 10 years)
Disabilit y
U nable to work more than 30 consecutive days due to in j ury/illness within the past 12 months
Drivin g
D U I, D W I, hit-and-run, or reckless driving within the past 5 years, or suspended/revoked driver ’ s license within the past year
O ther
Any medically recommended diagnostic testing or treatment not completed or awaiting results
Care 4 Life
Rider approved for all policies rated Table D/Table 4 or bette r
R ide r will decline and applicant will r ecei v e T e r minal Illness r ide r if applicant ¤ H as muscle, bone or j oint disorde Á ¤ Re q uired assistance for Activities of Daily L iving (AD L s) w/in last 12 mo ¨
¤ H as been unable to work w/in last 12 mos for more than 30 consecutive days due to illness or in j ur ¤ H as received or claimed indemnity, bene fi ts or payment for in j ury, sickness or impaired condition .
R ide r knockout conditions r ega r dless of r ating ¤ Multiple sclerosi ¨ ¤ Parkinson ¨ ¤ Rheumatoid arthriti ¨ ¤ L upu ¨ ¤ Connective tissue disease(s)
¤ Any neurological disease or disorde Á ¤ Any neuropath ¤ Degenerative disc diseas × ¤ Spinal stenosi ¨ ¤ Any malignancy in the last 10 years
© 2024 E thos Technologies Inc. E thos operates in some states as E thos L ife Insurance Services. CA license # 0 L 28949 ; AR license # 100164629. E thos o ff ers 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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