Full 100% death benefit from day 1. Underwriting: MIB + pharmaceutical check + random phone interview. Non-smoker = no tobacco/nicotine 12+ months. Max $40,000 Level Benefit / $50,000 all simplified issue with United of Omaha. Annual policy fee $36.

Riders: Accelerated Death Benefit (terminal illness or 90+ days nursing home), optional Accidental Death Benefit Rider.

Part One YES = declined entirely. Part Two YES = Graded Benefit only. All NO = Level Benefit eligible. Mail to: United of Omaha, P.O. Box 2476, Omaha NE 68103. Fax: 1-402-997-1800. Underwriting questions: 1-800-715-4376.

First 2 years natural death: premiums paid + 10%. After 2 years: full benefit. Accidental death = full benefit always. Standard class (no tobacco distinction). Annual policy fee $12. Max $20,000 Graded / $25,000 all graded with United of Omaha.

Single impairment declines: Diabetes diagnosed before age 45, amputation from disease, chronic pancreatitis, chronic severe asthma, Hodgkin's Disease, moderate/severe rheumatoid arthritis on Humira/Enbrel/Methotrexate/Xeljanz, muscular dystrophy, sickle cell anemia, pacemaker.

Multiple impairment declines: Diabetes age 45+ with Table 2+ build, diabetes 45+ with tobacco, diabetes with any complications, Table 2+ build with rateable hypertension, Table 2+ build with asthma + tobacco, Table 2+ build with PVD.

Important numbers: Underwriting: 1-800-775-7896 | iGO e-App Support: 1-800-641-6557 | Sales: 1-800-693-6083

Simplified issue, no exam. MIB + Script Check. PHI only if age 71+ with no Rx. Monthly modal: 0.088. Point-of-sale decision available.

IMD Riders: Accidental Death Benefit, Children's/Grandchildren's Insurance Agreement, Terminal Illness, Confined Care, Nursing Home Waiver of Premium.
GDB/ROP: No Accidental Death Benefit or Children's Insurance Agreement.

Simplified issue, no exam. MIB + Script Check. PHI only if SSN starts with 9 or 2. Monthly modal: 0.088.

Riders: Level Term Rider, Terminal Illness, IMD only: Accidental Death Benefit, Children's Insurance Agreement, Confined Care, Waiver of Premium.

Simplified issue, no exam. MIB + Script Check. PHI required ages 65+. No modal factors. Policy loan: 7.4% in advance after year 1.

Riders: Accidental Death Benefit, Accident Only Disability Income, Children's Insurance Agreement, Confined Care, Disability Income, Family Insurance Agreement, Terminal Illness, Waiver of Premium.

Simplified issue, no exam. MIB + Script Check. Point-of-sale decision. ROP options available on most products.

Riders: Accidental Death Benefit, Accident Only Disability Income, Children's Insurance Agreement, Chronic/Critical/Terminal Illness, Confined Care, Disability Income, Waiver of Premium.

Simplified issue. MIB + Script Check. Point-of-sale decision. Monthly: 0.088.

Riders: Accidental Death Benefit, Waiver of Premium, Guaranteed Insurability, Children's/Grandchildren's Insurance Agreement, Level Term, Flexible Premium Paid-Up Addition, Terminal/Chronic/Critical Illness, Confined Care.

Best risk product. Excellent/good health. Excellent CBI score. Terms: 10–40yr (varies by age). Classes: Preferred Plus, Preferred, Standard Non-Tobacco, Standard Tobacco, Table ratings. 30-day free look. Monthly ACH. APS review for age 61+.

Knockouts: BMI <18 or >48.9, BP too high by age, cholesterol >350, HIV/AIDS, cancer within 10 years, cardiovascular disease (heart attack, CAD, valve), organ transplant, felony/probation within 10 years, DUI within 5 years. Not in NY.

Moderate risk. Good/fair CBI score. Terms: 10–30yr. Classes: Preferred Plus, Preferred, Standard Plus, Standard + table ratings 1–10, Tobacco. 30-day free look. Same knockouts as Prime.

Key difference from Prime: More accepting of moderate health conditions, fair credit, accepts ITIN/EAD/most visas.

Average to fair health, not currently disabled. Premiums INCREASE every 5 attained ages (renewable to 80). Monthly/quarterly/semi-annual/annual ACH. Standard Tobacco and Non-Tobacco only. No replacements. Not in NY.

Good to fair health, not currently disabled. 100% instant decision. Non-Tobacco and Tobacco rates. Level premiums. ACH monthly/quarterly/bi-annually/annually. Not in CT or NY. Includes Ethos estate planning tools at no cost.

For poor health clients who can't qualify elsewhere. First 2 years: return of premium + 10%. After 2 years: 100% benefit. Level premiums. Not in WA or NY. Last resort option for uninsurable clients.

Best to moderate risk. 90%+ instant decision. 4 non-tobacco classes (Preferred Plus down to Standard) + 2 tobacco. Monthly and annual ACH. No replacements. Includes Care4Life ABD, Lifetime Income rider, Overloan Protection. Not in NY.

Financial max: Age <30: 40x income | 30-39: 35x | 40-49: 25x | 50-59: 20x | 60-65: 10x

Ages 20-65: Routed by CBI score → medical interview → product match.
Ages 66+: Routed directly to TruStage Advantage Whole Life.
If ineligible for one product: Automatically rerouted to next best option.
Last resort: TruStage Guaranteed Acceptance (ages 45-80, most states).

Ethos approves 90%+ of applicants using their smart-routing platform. No medical exams — uses RX history, MIB, MVR, CBI score, and application questions.

Red flag tip: Clients on certain high-risk medications are generally ineligible for most products. Agent support: (415) 915-0665 | agents@getethos.com

100% death benefit from day 1. Monthly premiums only. ACH or credit/debit card (including Direct Express). $50 policy fee. Policy loan: 7.4%. Max $250K across all Chubb life policies. Digital application only — instant underwriting, no exceptions after submission. Not available in CA, FL, NY, ND, SD.

Preferred class: All NO to underwriting questions + low-risk meds or no meds.
Standard class: All NO to questions + multiple low-risk or more serious past conditions.
Substandard class: NO to questions 1-4 + serious past conditions.

First 2 years natural death: return of premium + 3.75% interest. After 2 years: 100%. Accidental death always pays 100%. Client qualifies if they answer YES to questions 4 or 5 (but not 1, 2, or 3).

5 Underwriting Questions (YES/NO):
1. Terminal illness diagnosed in past 2 years, or currently in nursing home/assisted living/hospice?
2. Ever diagnosed with AIDS/HIV, Bipolar, Schizophrenia, Alzheimer's, Dementia, or progressive neurological disorder?
3. Ever require oxygen or dialysis?
4. Past 5 years: Cancer, Stroke, Heart Attack, Insulin Diabetes, Chronic Kidney/Liver Disease? Or pending diagnostic testing in past 6 months?
5. Past 5 years: Anemia, ALS, Huntington's, MS, Alcohol/Drug Abuse, Pulmonary Arterial Hypertension, or Hereditary Angioedema?

YES to 1, 2, or 3 = Declined entirely.

Accelerated Death Benefit (included free): If terminal illness expected within 12 months, or continuous nursing home/hospice confinement until death — can receive 100% of death benefit early. Policy terminates on use.

Child Term Life Rider: Ages 15 days–26 yrs. Up to $25K per child (up to 6 children). $0.42/month per $1,000. Converts to paid-up term at insured's death. Terminal illness ABD included for child rider too.

ALS, Alzheimer's/Dementia, Intellectual disability, Down syndrome, Organ transplant, Paralysis, Suicide attempt, Single DUI within 2 years.

FFIUL II Express is stricter — declines: BMI >39, Diabetes Type 2 under 60, Severe Asthma, Hospitalized 2x+ in 12 months, CAD, Bipolar, Seizure/Epilepsy within 2 yrs, Diabetes Type 1, Felony within 10 yrs, MS, Congestive Heart Failure, COPD/Emphysema, Stroke, PVD, Dialysis, Pacemaker, Cirrhosis.

FE Express is more lenient — ACCEPTS most of the above conditions that FFIUL declines. BMI >48 is a decline. Felony within 2 years = decline.

Rule of thumb: If client has serious conditions, try FE Express first.

Uses scooter/walker/cane/catheter/Hoyer lift, needs assistance with daily activities (meds/dressing/eating/walking/bathing/toileting), unable to work due to chronic illness, receives Medicaid, has handicap placard. Also ineligible if diagnosed in past 5 years with: blindness, chronic pain 6+ months, connective tissue disorder, immune disorder, peripheral neuropathy, myasthenia gravis, optic neuritis, neuromuscular disease, polio, rheumatoid/psoriatic arthritis, ulcerative colitis/Crohn's, vasculitis.