Ethos Underwriting and Product Guidelines
F or licensed life agents onl y. D o not distri b ute . Whole Life Product Details
For T ruStage ™ W hole Life product knockouts , please see the TruStage™ Life Insurance Underwriting Guide . For general fi eld under w riting , please see the TruStage™ Health Needs Assessment Guide .
Product
TruStage TM Advantage Whole Life
TruStage TM Guaranteed Acceptance Whole Life
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%
Term Length
N/ A
N/ A
U nder w riting process
100% instant decision A pplication q uestions and 3 rd party evidence checks
100% instant decision
U nder w riting classes
Non -T obacco and T obacco rates
N/ A
F ree loo k period
30 days
30 days
R eplacements
U navailable
U navailable
Premiums
Level for speci fi ed term period
Level for speci fi ed term period
Pa y ments
D ebit/Credit , A C H Monthly , Q uarterly , Bi -A nnually , A nnually
D ebit/Credit , A C H Monthly , Q uarterly , Bi -A nnually , A nnually
Availa b le riders & per k s
Ethos estate planning tools at no additional cost ( e x cept W A & S D)
Ethos estate planning tools at no additional cost ( e x cept W A & S D)
State and other e x clusions
C T, N Y | U .S. citi z ens & permanent residents only
W A, N Y | U .S. citi z ens & permanent residents only
1 DU I/ D W I , reckless driving , speed >9 0 mph , accident resulting in injury , driving w hile license suspende d 2 Minor violations : speeding <9 0 mph , accident not resulting in injury , careless drivin g
© 2024 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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