Live now on your agent portal, Ethos Term Life – Choice (Ethos Choice) from Ameritas offers a new term solution for moderate risk applicants ages 20-60!

With Ethos Term – Choice:

• We’ve doubled the face amount from our previous moderate risk product from $500K to $1M
• We’ve added more risk classes, enabling us to offer more approvals for specific health conditions, and better pricing for healthier applicants
• We’ve streamlined our moderate risk app, so you and your clients will enjoy a faster experience with fewer questions.

In addition to Preferred Plus, Preferred and Standard risk classes, Ethos Choice now offers Standard table ratings 1-10. For applicants who fall into the Standard risk class, table ratings offer a way to take additional health risks into account. 

Having table ratings enables a greater level of pricing and underwriting precision. As a result, they’re projected to increase approval rates and improve pricing for healthier applicants.

“Ethos offers its partners the broadest buy box and fastest customer experience in the business, and we continually look for ways to expand on those advantages,” says Peter Colis, Ethos’ CEO and co-founder. “Ethos Choice is an important step that increases your client’s options and improves their experience.”

Marty Schafer, Ethos’ chief distribution officer, says, “The reason this is so exciting for our partners is because we’re expanding the risk classes for the Ameritas product, which we project will increase approval rates and improve pricing for healthier customers. And by unifying the app and underwriting process for prime and moderate risk applicants, you and your customers will enjoy a more seamless buying experience.”

We’re proud to continue to partner with Ameritas, a trusted carrier and mutual company rated “A+” by Standard & Poor’s (7/2022) and “A” by AM Best (4/22) for financial strength. Sell with peace of mind, knowing your clients are in great hands.

Ethos Term Life – Choice replaces Ethos Term Life – Spectrum for applicants age 20–60. Applicants aged 60-65 will continue to be routed to Ethos Term Life – Spectrum for a limited time.

For more info about Ethos Choice, see our:

• Field Underwriting Guide for information about our proprietary underwriting process, as well as product specs and knockout conditions.
• Ethos for Agents Playbook for a broader overview of the Ethos agent program, including product specifications.