IUL + Term in one sale!
Bundle the benefits of both products in half the time
Ethos IUL includes an additional offer for Ethos Term – Choice with living benefits.1 That means:
No additional underwriting Clients approved for Ethos IUL are also approved for Ethos Term – Choice with living benefits—automatically.
2X faster combo sales Now, your most typical combo sale is as simple as checking a box.
Higher persistency Multiple policies are associated with better client retention and help build long-term relationships.
360° living benefits Offer all the advantages of IUL and term life—with free Ethos estate planning tools for even greater protection.2
IUL + Choice with living benefits
(415) 275-9050 C A LL U S FOR HE L P
M ee t th e ne w p o w er c o up le
Enhance Coverage by adding Term Life Insurance This is a one - time, pre - approved offer. No additional underwriting or paperwork is re q uired.
On the Ethos IUL approval page, look for your client ’ s additional term with living benefits offer. to take advantage of this one-time offer with no further underwriting. “Add Term life policy” Click
IUL + Term L ife policies W hy choose this ?
Only IUL policy
C overage
Term length and coverage amount are ad j ustable.
$500 , 000
$1,100,000 Edit
$600K Term coverage
Premium
$ 4 00 . 00 / mo
$500 . 00 / mo
Frequently Asked Questions
Who gets the additional coverage offer? Instant approvals only — both as applied and OTAF (other than applied for). There are edge cases (e.g. if someone already has Choice coverage) where instant approved IUL offers do not see Choice but most will. When will they see the offer? The offer appears on the approval page, which is just after adding beneficiaries, and before the final look/checkout page. Can clients adjust coverage? Yes, they can adjust term length and coverage amount within pre-set limits. How is comp paid? Comp for both products will continue to be paid according to existing product-specific terms.
How is the term offer determined? Is the IUL offer independent of the term offer? The original IUL offer is made independently and not reduced to provide the additional Choice w/LBs offer. Term coverage adds to the approved IUL offer coverage. Can the draft dates be different? Yes, draft dates can be edited on the final look/ checkout page. Can there be different beneficiaries for both products? By default, beneficiaries are the same for both products, but they can be changed on the final look/checkout page. Can clients use LBs from both policies? Yes! Each rider can be triggered in accordance with the two independent policies.
Meet your clients’ full coverage needs in half the time!
Get started at agents.ethoslife.com/quote/iul/create
1 Certain applicants will receive only the Terminal Illness R ider (TI R ). 2 E thos P erks is not available in W A & SD.
For agent use only. This is an ad .
The information herein is provided solely for educational purposes to provide you with information about products and services offered through E thos .
Agents are expected to act within the scope of their license and may not sell, solicit or negotiate life insurance unless licensed in the state. Compensation is paid to life licensed agents only.
E thos Index Universal Life Insurance (form ICC 23 3030 3-23 and state variations) is issued by Ameritas Life Insurance Corp. The product is not available in N ew York. Ameritas and E thos Technologies Inc., are separate, independent entities. Ameritas ® is a marketing name for subsidiaries of Ameritas M utual H olding Company, including, but not limited to, Ameritas Life Insurance Corp. in Lincoln, N ebraska and Ameritas Life Insurance Corp. of N ew York (licensed in N ew York) in N ew York, N ew York. E ach company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas ® , visit ameritas.com. Ameritas and E thos Technologies Inc., are separate, independent entities. E thos offers policies issued by Ameritas Life Insurance Corp. (not licensed in N ew York). P roducts and their features may not be available in all states . E thos Term Life – Choice (form 3034 and state variations) is issued by Ameritas Life Insurance Corp. The product is not available in N Y. Critical, Chronic and Terminal Illness Accelerated B enefits rider (Form ICC 16 CCTIA BR 11-16 ). Ameritas and E thos Technologies Inc., are separate, independent entities. Ameritas ® is a marketing name for subsidiaries of Ameritas M utual H olding Company, including, but not limited to, Ameritas Life Insurance Corp. in Lincoln, N ebraska and Ameritas Life Insurance Corp. of N ew York (licensed in N ew York) in N ew York, N ew York. E ach company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas ® , visit ameritas.com. Ameritas and E thos Technologies Inc., are separate, independent entities. E thos offers policies issued by Ameritas Life Insurance Corp. (not licensed in N ew York). P roducts and their features may not be available in all states .
E TC – LC -0524
© 2025 E thos Technologies Inc. E thos operates in some states as E thos Life Insurance S ervices. CA license #0 L 28949; A R license #100164629 . This is an ad. E thos offers policies issued by the carriers listed at www.ethoslife.com/carriers. P roducts and their features may not be available in all states. The information and content provided in this document is for informational purposes only and is not to be considered legal, tax, investment, or financial advice. N o contract is formed or amended by this document .
1606 H eadway Circle #9013 , Austin, T X 78754
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