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
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