HGI VIP Training June 2025

Ethos IUL (Coming soon) Accumulation IUL

Competitor #1 Competitor #2

Fast, simple platform

Full instant underwriting for optimal pricing

Instant coverage up to $1M • $1M for ages 20–50 • $500K for ages 51–60 • $350K for ages 61–65

Advanced underwriting decisions for more confident approvals & reduced rescission risk

$1M max coverage

4 case designs including retirement income solve

6 rate classes & table ratings • 4 non-tobacco risk classes • 2 tobacco risk classes • Table 1–10

Higher cash value potential with lower policy changes

5 index options with competitive rates

Broad issue ages • Ages 20–65

Living benefits with simple, lien-based percentage payments

Personalized client report with every illustration

ethos.com

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