Ethos Index Universal Life Insurance (IUL) issued by Ameritas Life Insurance Corp.
Index & fixed account rates Eff ective D ecember 1 - 31 , 202 4
Updated rates available on the 25th of each month for the following month. Rates go live at 12:01 AM CT on the 1st of each new month. Agents: Check the Agent Resource Center for current information. Ethos agent portal
Account
Index p eriod
Ca p rate
Par rate
Illustrated rate
S&P 500 ® Index
1 Year
8.50%
100%
5.53%
S&P 500 ® Index
2 Years
1 9 .60%
100%
5.53%
S&P 500® Sector Rotator Daily RC2 5% Index
1 Year
No cap
181%
5.53%
BNP Paribas Momentum Multi Asset 5 Index
1 Year
No cap
201%
5.53%
BNP Paribas Momentum Multi Asset 5 Index
2 Years
No cap
260%
5.53%
F ixed account — current rate 1: 4. 00%
n / a
n / a
n / a
4 .00%
1 The current Fixed Account interest rate can increase or decrease, but will never fall below a guaranteed minimum of 1.00%. The S&P 500® Sector Rotator Daily RC2 5% Index and S&P MARC 5% Index have limited historical information having launched on 10/19/2018 and 3/27/2017, respectively. For more information about the S&P 500® Sector Rotator Daily RC2 5% Index, visit https:/ www.spglobal.com/spdji/en/indices/ strategy/sp-500-sector-rotator-daily-rc2-5-index/#overview. For more information about the S&P MARC 5% Index, visit https:/ www.spglobal.com/spdji/ en/indices/strategy/sp-marc-5-index/#overview. The BNP Paribas Momentum Multi-Asset 5 Index (BNPP Momentum 5 Index) is an index (launched on 1/27/2017) with limited historical information. For more information about the BNPP Momentum 5 Index, visit momentum5index.bnpparibas.com. Two-year index options are not available in all states.
Key terms
Index period:
Participation (“Par”) Rate:
Time between the beginning index date and ending index date of a participation account.
The percentage of the index rate credited to the account value. Minimum guaranteed participation rates for uncapped index options are 25%.
Cap rate:
Illustrated rate:
The maximum index rate used in calculating the index credited amounts for a participation account. Minimum index cap varies by index periodG
The maximum allowable rate to illustrate non-guaranteed policy values allocated to an indexed account.
F 1 year capped accounts — 3% caY F 2 year capped accounts — 6% cap
I UL- RS - 0 9 2 3
© 2024 Ethos Technologies Inc. Ethos operates in some states as Ethos Life Insurance Services. CA license #0L28949; AR license #100164629. Ethos offers policies issued by the carriers listed at www.ethoslife.com/carriers. Products and their features may not be available in all states. To help avoid requiring a medical exam, our application asks certain health and lifestyle questions.
The information presented here is not intended as tax or other legal advice. For application of this information to your client’s specific situation, your client should consult an attorney.
In approved states, Ethos Index Universal life insurance (form 3030 3-23 with 3030 SCH 3-23) is issued by Ameritas Life Insurance Corp. In Oregon, policy form ICC23 3030 3-23 with ICC23 3030 SCH 3-23. The product is not available in New York.
Ameritas® is a marketing name for subsidiaries of Ameritas Mutual Holding Company, including, but not limited to, Ameritas Life Insurance Corp. in Lincoln, Nebraska and Ameritas Life Insurance Corp. of New York (licensed in New York) in New York, New York. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com.
Ameritas and Ethos Technologies Inc., are separate, independent entities. Ethos offers policies issued by Ameritas Life Insurance Corp. (not licensed in New York). Products and their features may not be available in all states.
Guarantees are based on the claims-paying ability of the issuing company.
The S&P 500 Sector Rotator Daily RC2 5% Index has limited historical information having launched on 10/19/2018. For more information about the S&P 500 Sector Rotator Daily RC2 5% Index, visit https:/www.spglobal.com/spdji/en/indices/strategy/sp-500-sector-rotator-daily-rc2-5-index/#overview.
The S&P 500 and S&P 500 Sector Rotator Daily RC2 5% are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by Ameritas Life Insurance Corp. S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). Ameritas Life Insurance Corp.’s life insurance products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 or S&P 500 Sector Rotator Daily RC2 5%.
The index options are not securities. Keep in mind, your clients are not participating in the market or investing in any stock or bond. Therefore, credited interest rates do not include dividends paid by companies in the indexes.
The S&P 500 Index is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Ameritas Life Insurance Corp. and its affiliates. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”) and Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). The Ethos Index Universal Life insurance product is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index. The BNP Paribas Momentum Multi-Asset 5 Index (the “Index”) has limited historical information having launched on 1/27/2017. For more information about the Index, visit https:/momentum5index.bnpparibas.com. The Ameritas Life Insurance Corp.’s life insurance product is not sponsored, endorsed, sold, or promoted by BNP Paribas or any of its affiliates (collectively, “BNP Paribas”). Neither BNP Paribas nor any other party (including without limitation any calculation agents or data providers) makes any representation or warranty, express or implied, regarding the advisability of purchasing this product. The BNP Paribas Momentum Multi-Asset 5 Index (the “Index”) is the exclusive property of BNP Paribas. BNP Paribas and the Index are service marks of BNP Paribas and have been licensed for use for certain purposes by Ameritas Life Insurance Corp. Neither BNP Paribas nor any other party has or will have any obligation or liability to owners of this product in connection with the administration or marketing of this product, and neither BNP Paribas nor any other party guarantees the accuracy and/or the completeness of the Index or any data included therein.
IUL-RS-0923
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