New program for foreign nationals!
Protect millions more clients with fast & easy coverage from Ethos for ITIN, EAD & visa holders
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Start every sale with Ethos
*Just a few health questions
Preparing for a sale 1. Review your clientʼs eligibility in our Foreign Nationals Agent Guide 2. Make sure they have all relevant documents ready Visa, EAD and ITIN holders will need to upload an image of their relevant document for identity verification. 3. Start an agent-assisted application When you and your client reach the screen that asks, “Are you a citizen or permanent resident of the USA?”, choose “None of the above” to enter your clientʼs visa, EAD and/or ITIN information. 4. Know when more information may be requested ○ Most applicants using eligible visas will enjoy instant decisions. ○ For applicants using EADs or ITINs only, some manual underwriting may be required.
ITIN eligibility: 3 options
Product eligibility if conditions are met
Document types
Conditions
ITIN + eligible U.S. visa Spouses of visa holders, students ITIN + EAD (no visa) Professionals living in U.S., DACA recipients
See our Foreign Nationals Agent Guide for eligible visa types. If your client has both a valid, eligible visa and an EAD, use the visa.
Ethos Term – Choice Ethos IUL
If your client has both a valid, eligible visa and an EAD, use the visa. Clients using an EAD must meet the following conditions: ● No intention to travel outside the U.S. within two years of the issue date. ● Must have lived in the U.S. for a minimum of 18 months. ● Under regular U.S.-based medical care, and have visited their physician in the last 18 months. Applicants using only an ITIN must meet the following criteria: ● Ages 25–60 ● $40K minimum annual household income ● Resident of the U.S. for a minimum of 18 months ● No intention to travel outside the U.S. ● Under regular U.S.-based medical care, and have visited their physician in the last 18 months
Ethos Term – Choice Ethos IUL
ITIN only Business owners, entrepreneurs, freelancers
Ethos Term – Choice Ethos IUL
SSN eligibility: 3 options
Document types
Conditions
Product eligibility if conditions are met
SSN + U.S. visa Professionals living in U.S., spouses of citizens
To qualify for Ethos Term – Choice or Ethos IUL, see our Foreign Nationals Agent Guide for eligible visa types. If your client has both a valid, eligible visa and an EAD, use the visa.
Ethos Term – Choice Ethos IUL If client doesnʼt meet other eligibility criteria, they may be routed to: ● TruStage Term Life — Band 1* ● TruStage Advantage Whole Life ● TruStage Guaranteed Acceptance Whole Life Ethos Term – Choice Ethos IUL If client doesnʼt meet other eligibility criteria, they may be routed to: ● TruStage Term Life — Band 1* ● TruStage Advantage Whole Life ● TruStage Guaranteed Acceptance Whole Life TruStage Term Life — Band 1* TruStage Advantage Whole Life TruStage Guaranteed Acceptance Whole Life
SSN + EAD (no visa) DACA recipients, clients switching visas
To qualify for Ethos Term – Choice or Ethos IUL, your client must meet the following conditions: ● No intention to travel outside U.S. within two years of EAD issue date. ● Must have lived in the U.S. for a minimum of 18 months. ● Under regular U.S.-based medical care, and have visited their physician in the last 18 months.
SSN only Clients switching visa or awaiting EAD renewal
● N/A — client will be routed to TruStage Advantage Whole Life
*TruStage Term Life — Band 1: Age 25–69: $5K–$100K, single risk class, no tobacco
Visa eligibility Please see our Foreign Nationals Agent Guide for a list of eligible visa types. If your clientʼs visa type is not on this list, it is not eligible. Examples of visas we do not accept include temporary visas issued for tourists, crewmembers and people transiting through the U.S.
Visa eligibility
Visa
Description Treaty traders Treaty investors
E-1 E-2 E-3
Australian specialty occupation workers
EB-1 EB-2 EB-3 EB-5
Priority workers, including persons with extraordinary ability, outstanding professors & researchers, multinational executives & managers
Professionals with advanced degrees or exceptional ability
Skilled workers, professionals, and other workers
Immigrant investors (investment of $1.8 million in a new commercial enterprise and creation of 10 fulltime jobs)
F1
Unmarried sons and daughters of U.S. citizens
F-1 F-2
Academic students
Dependents of F-1 visa holders
F-2A F-2B
Spouses and children of lawful permanent residents
Unmarried sons and daughters (21 years of age and older) of lawful permanent residents
F-3 F-4
Married sons and daughters of U.S. citizens
Brothers and sisters of U.S. citizens
H-1B
Specialty occupations
H-1B1
Free Trade Agreement workers in specialty occupations from Chile and Singapore
H-1C
Nurses in health professional shortage areas
H4
Dependents of H visa holders
Visa eligibility, cont’d.
Visa IR-1 J-1 K-1
Description
Spouse of a U.S. citizen
Exchange visitors
Fiancé(e) of a U.S. citizen
K-3
Spouse of a U.S. citizen awaiting approval of an I130 immigrant petition
L-1A L-1B M-1 M-2
Executives and managers
Workers with specialized knowledge
Vocational students, if authorized for practical training
Dependents of M-1 visa holders
O-1 O-2 O-3 P-1 P-2 P-3 TN TD V-1
Individuals with extraordinary ability or achievement
Individuals accompanying an O1 visa holder
Dependents of O1 and O2 visa holders
Internationally recognized athletes or members of an internationally recognized entertainment group.
Artists or entertainers in reciprocal exchange programs Artists or entertainers in culturally unique programs
NAFTA professionals from Canada and Mexico
Dependents of TN visa holders
Spouses of U.S. lawful permanent residents
Your client will need to upload a picture of their relevant document for identity verification: Visa card EAD IRS ITIN Confirmation Letter (Notice CP565) Document upload
Hereʼs what the process looks like step by step.
How-to videos VISA/EAD upload | ITIN upload
Agent action At the end of the application, clients using a visa, EAD or ITIN will be asked to upload a picture of it.
Choose “Continue on another device” to send your client a secure email link. When your client clicks the link, theyʼll go to a page where they can take or upload a photo of their visa card.
For visas and EADs, clients should provide the document they indicated theyʼre using in the citizenship question. For ITINs, weʼll ask for the clientʼs IRS ITIN Confirmation Letter (Notice CP565).
Document verification is provided through our third-party partner, Persona.
Client handoff Using a secure email link, your client can take or upload a photo of their visa card
Your client will receive an email from Persona, subject line: “Ethos Life one-time link”.
Have them open it and click “Verify identity”
Enter your clientʼs email address to send them a secure link.
Make sure your client chooses the option that corresponds with their documentation.
If your client canʼt find the email, make sure they check their spam folder.
Client photo upload Document should be well-lit and readable
From here, your client will return to the application to: ● Enter beneficiaries ● Review coverage ● Submit payment
Have your client make sure their document is clear and readable!
How-to videos VISA/EAD upload ITIN upload
Client one-pagers en español
Tell your Spanish-speaking clients about Ethos!
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It’s go time! Start every sale with Ethos for: ● Broad eligibility for term, IUL & final expense
● 100% digital app + instant decision for most applicants ● Easy agency management with the Ethos agent portal
Your next steps: ● Bookmark the Foreign Nationals resources page ● Download the Foreign National Agent Guide ✅ Review client eligibility ✅ Set up appointments today
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