Ethos Term Life Insurance Living benefits, elevated risk options, and more.
Products that fit your clientʼs needs Select the product youʼd like to start an application for and if your client isnʼt a right fit, weʼll reroute them to another product. Zero case management What used to take weeks or months, can now be done in minutes with our agent-assisted application. Over 90% instant decision* Our quick application gives your clients an on-the-spot decision with affordable coverage options and no medical exams. Riders & perks Offer living benefits, return of premium, coverage up to $2M, and free estate planning tools with every policy.
John Hancock Simple Term w/ Vitality & ROP
Ethos Term Life - Choice w/ living benefits
TruStage TM Term Life
Ethos Term Life - Prime
Risk class
Best risk
Moderate risk
Best to Moderate risk
Best to Moderate risk
Age
20-65
20-65
20-69
20-50
Coverage
$100K-$2M
$50K-$1M $5K-$300K
$25K-$500K
Term length
10 to 30 yrs
10 to 30 yrs
Annually renewable to age 80
25 & 30 yr. Renewable through age 94
UW decision
90% instant decision
90% instant decision
100% instant decision
100% instant decision
*From ages 20-85. Averaged across ages.
Note: John Hancock Simple Term with Vitality not available to all partners.
ethos.com
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