ITIN eligibility 3 options
Document types Conditions
Eligibility if conditions are met
ITIN + eligible U.S. visa
No additional conditions. If your client has both a valid, eligible visa and an EAD, use the visa.
Ethos Term – Choice Ethos IUL
Spouses of working professionals, students
ITIN + EAD (no visa)
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
DACA recipients, clients changing visas, asylum seekers
ITIN only
Ethos Term – Choice Ethos IUL
Business owners, entrepreneurs, self-employed individuals
ethos.com
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