Speed up your living benefits sales
Ethos Term – Choice is a competitive instant product that meets a wide array of clients and protection needs
Instant decision up to $1M gives you sales momentum
Competitive pricing for a wide range of clients
Attractive no-cost riders provide broader protection
Seamless sales process
Estate planning tools: Ethos Perks wills & trusts app 2
Designed for good to moderate risk profiles
No medical exams , just a few health & lifestyle questions
Living benefits up to 90%: Critical, Chronic and Terminal Illness Accelerated Benefits rider 1
Fully underwritten with more risk classes for more accurate offers
Write larger cases just as fast as small ones
● Need is above $1M (consider product stacking) ● Price is more important to client than living benefits ● Client has significant health, credit or driving record issues
When is term without living benefits a better fit?
1 Certain applicants will receive only the Terminal Illness Rider. 2 Except WA & SD
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