Ethos Underwriting and Product Guidelines
F or licensed li f e 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
S evere an x iety, depression, PT SD , b ipolar disorder, or other mental disorder with history o f suicidal thoughts or attempt within 10 years, hospitali z ation or inpatient treatment related to condition within the last 5 years, disa b ility or missed work/school (more than 10 days) in the last 12 months
C OVI D -19
Any symptoms or positive test within the past 14 days
HIV/AI D S
All cases
Cancer
All cancers diagnosed within the past 10 years, e x cluding skin cancers (eg: b asal cell skin cancer, s q uamous cell skin cancer, melanoma) and some cases o f lymphoma
N eurolo g ical disease or brain disorder
Any other than epilepsy/sei z ures, multiple sclerosis, Bell ’ s palsy, restless leg syndrome, narcolepsy, vertigo, migraine
Cardio v ascular disease
H eart disease, congestive heart disorder, heart f ailure, valve disorder, cardiomyopathy, coronary artery disease, peripheral vascular/artery disease, pulmonary hypertension, carotid artery disease
L i v er 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 f ailure, polycystic kidney disease, chronic kidney disease, dialysis (other than kidney stones)
R espirator y disease or disorder
Chronic o b structive pulmonary disease (C O P D ), emphysema or chronic b ronchitis, pulmonary fib rosis, cystic fib rosis (C F ), central sleep apnea, e x cludes: treated o b structive sleep apnea, mild asthma or single pulmonary em b olisms (more than 5 years ago)
A utoi mm une disease or disorder
L upus/ S LE , scleroderma
Connecti v e tissue disease or disorder
N ot applica b le
O r g an transplant
All cases
Cri m inal histor y
F elonies, pro b ation or parole within last 10 years ; multiple recent misdemeanors. S ome f elonies older than 10 years accepted with individual consideration
Dru g/A lcohol use
Illegal drug use or drug/alcohol a b use (past 10 years)
Disabilit y
U na b le to work more than 30 consecutive days due to in j ury/illness within the past 12 months
Dri v in 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 L i f e
Rider approved for all policies rated Table D/Table 4 or better
Rider will decline and applicant will receive Terminal Illness rider if applicant / Has muscle, bone or joint disorde* / Required assistance for Activities of Daily Living (ADLs) w/in last 12 mo@
/ Has been unable to work w/in last 12 mos for more than 30 consecutive days due to illness or injur / Has received or claimed indemnity, benefits or payment for injury, sickness or impaired condition.
Rider knockout conditions regardless of rating / Multiple sclerosi@ / Parkinson@ / Rheumatoid arthriti@ / Lupu@ / Connective tissue disease(s)
/ Any neurological disease or disorde * / Any neuropath / D egenerative disc diseas Y / S pinal stenosi @ / Any malignancy in the last 10 years
© 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.
Made with FlippingBook - professional solution for displaying marketing and sales documents online