What your clients will love about Ethos IUL Care4Life Accelerated Death Benefit
According to the Centers for Disease Control, about 1 in 4 Americans face some type of disability. No-cost living benefits rider covers 18 conditions
✔ Critical illness: 25% of death benefit
✔ Chronic illness: 50% of death benefit Inability to perform at least two ADLs
✔ Terminal illness: 75% of death benefit Any physician-certified illness reasonably expected to result in death within 12 months.
15 qualifying conditions including cancer, stroke, heart attack, renal failure, organ transplant, ALS, blindness due to diabetes, paralysis, burns, coma, brain tumor, aneurysm, bypass surgery. See Agent Guide.
for 90 days or more and/or severe cognitive impairment, including Alzheimerʼs.
Based on health condition, your applicant may be offered the Terminal Illness rider instead , which allows early access to 75% of the death benefit for qualifying terminal health conditions. The Care4Life rider is not a long term care product.
For agent use only
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