Ethos Underwriting and Product Guidelines
F or lice n sed li f e a g e n ts o n l y . Do n ot distribute . IUL Knockouts
Product
Ethos Protection IUL (filed as Ethos IUL) Select agents
Accumulation IUL Select agents
Best-Moderate Risk
Best-Moderate Risk
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
If average BP within the past 12 months: Age 18-39: >155/98, Age 40-49: >160/98, Age 50-59: >165/100 Age 60: >175/100
Cholesterol
Total cholesterol >350
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
If any of the following apply: D iagnosed with dia b etes in past 6 month s U nder age 30 D ia b etes with physical complications (kidneys, amputation )
A1C >9.5 within last 12 months and under age 4 1 N o testing or check up within the last 12 months BMI >41.49
M e n tal ill n ess
S evere an x iety, depression, PT SD , b ipolar disorder, or other mental disorder with history of 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
An x iety, depression, PT SD , b ipolar disorder, or other mental disorder with history any of the following: S uicidal thoughts in the past 6 months, or multiple suicide attempts within the last 5 year s H ospitali z ation or inpatient treatment within the last 5 year s D isa b ility or missed work/school (10 + days) in the last 12 months
C OVI D -19
Any symptoms or positive test within the past 14 days
N ot applica b le
HIV/AI D S
All cases
N ot applica b le
Ca n cer
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 of lymphoma
All cancers diagnosed within the past 10 years, e x cept for skin cancers (eg: b asal cell skin cancer, s q uamous cell skin cancer, and some cases of melanoma), thyroid cancer, and testicular cancer.
N eurolo g ical disease or brai n disorder
Any other than epilepsy/sei z ures, multiple sclerosis, Bell ’ s palsy, restless leg syndrome, narcolepsy, vertigo, migraine
Any disease 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 failure, valve disorder, cardiomyopathy, coronary artery disease, peripheral vascular/artery disease, pulmonary hypertension, carotid artery disease
H eart disease, congestive heart disorder, heart failure, cardiomyopathy, coronary artery disease, peripheral vascular/artery disease, pulmonary hypertension, carotid artery disease, aneurysm, and heart attack.
L i v er disease or disorder
Any other than recovered hepatitis A or recovered hepatitis B/C (past 5 years)
Any disease other than recovered hepatitis A or recovered hepatitis B/ C (past 5 years), and b enign/simple fatty liver.
K id n e y disease or disorder
K idney failure, polycystic kidney disease, chronic kidney disease, dialysis (other than kidney stones)
K idney failure, polycystic kidney disease, chronic kidney disease, dialysis (other than kidney stones) . H ematuria and/or protein in urine within past 6 months
R espirator y disease or disorder
Chronic o b structive pulmonary disease (C O P D ), emphysema or chronic b ronchitis, pulmonary fi b rosis, cystic fi b 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)
Chronic o b structive pulmonary disease (C O P D ), emphysema or chronic b ronchitis, pulmonary fi b rosis, cystic fi b rosis (C F ), central sleep apnea, sarcoidosis , and pulmonary hypertension.
A utoi mm u n e disease or disorder
L upus/ S LE , scleroderma
L upus/ S LE , scleroderma, mi x ed connective tissue syndrome
O r g a n tra n spla n t
All cases
All o rgan transplant recipient cases
Cri m i n al histor y
F elonies, pro b ation or parole within last 10 years ; multiple recent misdemeanors. S ome felonies older than 10 years accepted with individual consideration
A felony, 3 or more misdemeanors, pro b ation or parole within the last 10 years. Individual consideration if greater than 10 years.
Dru g/A lcohol use
Illegal drug use or drug/alcohol a b use (past 10 years)
Illegal drug use or drug a b use within the past 10 years. Alcohol a b use within past 5 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
U na b le to work more than 10 consecutive days due to in j ury/illness within the past 12 months.
Dri v i ng
DU 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
L icense suspended or revoked within past year . Ma j or violations within 5 years ( DU I/ D W I, hit & run, reckless driving, accident resulting in in j ury, driving while license suspended)
O ther
Any medically recommended diagnostic testing or treatment not completed or awaiting results
N ot applica b le
BMI (if any weight lost within the past 12 months, half of weight lost is added b ack when calculating BMI) <18 or >48.9
© 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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