Ethos Products

• How many IUL products do you offer?
• What products does Ethos offer?
• Which carriers does Ethos work with?
• How much coverage is available and at what term lengths?
• Are life insurance products through Ethos only for people in good health?
• Do policies come with a free look period?

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• Does TruStageⓇ Whole Life include living benefits?
• How will my client receive their TruStageⓇ policy?
• Can my client change the policyowner of a TruStageⓇ policy?
• Can I view cost of insurance increases on TruStageⓇ policies?
• How do I contact TruStageⓇ support?
• Can a client reduce their coverage after their TruStageⓇ policy has been in force for one year?

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• What happens if I share my personal agent link or QR code with my client?
• How can I ensure my client gets term life insurance with living benefits vs. another term product through Ethos?
• What product is my client routed to if they are not eligible for Ethos Term–Choice?
• Is there manual underwriting?
• What happens if my client’s case is declined in manual underwriting?
• If my client is declined for Ethos Protection IUL, should they try Ethos Term – Choice?

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• Who is eligible for Ethos Term Life – Prime?
• What is the eligible age range for Term Life – Prime?
• What Term Life – Prime coverage amounts are available?
• What term lengths are offered for Term Life – Prime?
• How does Term Life – Prime underwriting work?
• What medical conditions disqualify an applicant from Term Life – Prime?

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• Preparing to sell Ethos Protection IUL
• Sales and application process
• Ensuring the compliant sale
• Sales support
• Underwriting
• Compensation

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• Accumulation IUL rolling targets
• How many IUL products do you offer?
• Who is Accumulation IUL right for?
• Where is Accumulation IUL available?
• How much coverage can my client get with Accumulation IUL?
• Can I do a 1035 exchange with Accumulation IUL?

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• How does a client make their trustees have the same power of decision-making?
• How does a client remove or delete a spouse or domestic partner?
• What is the benefit of a trust versus a will?
• Is the trust we offer part of a high-interest account?
• Can a client add a charitable organization as a beneficiary on the legal will?
• Is there a way to have it so that the money that is in the estate is used to fund a home for kids?

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