JH Simple Term with Vitailty & ROP

Product specs at a glance

100% instant decision $25K–$500K coverage for ages 20–50 25- and 30-year terms only (age 45+ eligible for 25-year term only) Preferred Non-Smoker and Standard Non-Smoker

Agent 1-pager

Client 1-pager

Points guide

Case study

Full details

Producer Guide

Underwriting Guide

Product specs: Ethos for Agents Playbook, Ethos Field Underwriting Guide (JH-specific versions) Producer & client PDFs: JH Simple Term sales support page

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