Ethos Field Underwriting Guide

How do we do it?

Our product offerings

Ethos works with trusted carriers to offer an array of term life products and whole life products that can be used for final expenses. These products offer face amounts up to $2 million and coverage for applicants 18–85, to fit a wide range of life insurance needs. The Ethos Term Life product suite has three products for varying risk profiles.

Every policy sold through Ethos comes with a 30-day free look period.

Min/max issue age

Product name

Product type Insurance issued by Coverage max

Ethos Term Life – Prime

Up to $2M (varies by age)

Term life

20-65

LGA or Protective

Ameritas Life Insurance Corp.

Ethos Term Life – Choice

Term life

Up to $1M

20-65

MEMBERS Life Insurance Company

TruStage TM Term Life

Term life (increasing)

Up to $300K

20-6 9

Ethos Inde x Universal Life

Inde x universal life

Ameritas Life Insurance Corp.

Up to $1M

20-65

MEMBERS Life Insurance Company

TruStage T M Adv a n tage Whol e Life

W hole life

Up to $100K

20-85

TruStage T M G uara n tee d Acc e p ta nc e Whol e Life

Up to $25K graded death bene fi t

CM F G Life Insurance Company

W hole life

45-80

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