Ethos Underwriting and Product Guidelines
F or licensed li f e a g ents onl y . Do not distribute . IUL Knockouts
Product
Ethos Protection IUL (filed as Ethos IUL) Select 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 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, 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
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
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 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
Connecti v e 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
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 disorder Required assistance for Activities of Daily Living (ADLs) w/in last 12 mos
Has been unable to work w/in last 12 mos for more than 30 consecutive days due to illness or injury Has received or claimed indemnity, benefits or payment for injury, sickness or impaired condition.
Rider knockout conditions regardless of rating: Multiple sclerosis Parkinsons Rheumatoid arthritis Lupus Connective tissue disease(s)
Any neurological disease or disorde r Any neuropath y Degenerative disc diseas e Spinal stenosi s 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.
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