Ethos Underwriting and Product Guidelines
For TruStage™ Whole Life underwriting guide, please see the TruStage™ Life Insurance Underwriting Guide.
F or lice n sed li f e age n ts o n l y. D o n ot distri b ute . Whole Life Product Details
For general field underwriting, please see the TruStage™ Health Needs Assessment Guide.
TruStage TM Advantage Whole Life
TruStage TM Guaranteed Acceptance Whole Life
Product
Carrier
MEMBERS Life Insurance Company
CMFG Life Insurance Company
Average customer profile
Health
Good to fair health. Not currently disabled
Poor health
Financial & credit history
Good/fair/poor credit resulting in medium CBI score depending on age
Fair/poor credit history making them ineligible for other policy types
Vehicle violations
Not applicable
Not applicable
Major violations1
Not applicable
Not applicable
Minor violations2
Not applicable
Not applicable
Age
A ge 20–85 ( age last )
A ge 45–80 ( age last )
Coverage
A ge 20–70: $5K–$100K A ge 71–75: $5K–$50K A ge 76–85: $5K–$25K
$2K-$25K . D eath bene fi t in fi rst 2 years is limited to return of 100% of premium , plus 10%
T erm L e n gt h
N/ A
N/ A
Un der w riti n g process
100% instant decision Application questions and 3rd party evidence checks
100% i n sta n t decisio n
Un der w riti n g classes
Non -T obacco and T obacco rates
N/ A
F ree loo k period
30 days
30 days
R eplaceme n ts
U navailable
U navailable
Premiums
Level for speci fi ed term period
Level for speci fi ed term period
Pa y me n ts
A C H Monthly , Q uarterly , Bi -A nnually , A nnually
A C H Monthly , Q uarterly , Bi -A nnually , A nnually
Availa b le riders & per k s
E t h os e stat e p lannin g tools at no a dd itional c ost 3
E t h os e stat e p lannin g tools at no a dd itional c ost 3
S tate a n d ot h er e x clusio n s
CT, NY | Support for SSN holders; see our Foreign National Agent Guide for more info.
WA, NY | Support for SSN holders; see our Foreign National Agent Guide for more info.
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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