Ethos Index Universal Life Insurance (IUL)
Market-based growth without market risk Your policy’s available cash value as well as a portion of your new premium can be allocated to Ethos IUL’s index options . These options are tied to the performance of popular market indexes, without any actual market exposure 1 . How index options work You may allocate available cash value to any index option you like, for one- or two-year index periods. The percentage change between the beginning and end of an index period is credited to the index option. For some index options, this credit is subject to a maximum, or cap rate . For other index options, the credit is multiplied by a participation, or par rate . Cap and par rates can fluctuate, but are guaranteed until the index period matures.
Ethos IUL index options
Available index periods
S&P 500® Index
1 Year, 2 Year
S&P 500® Sector Rotator Daily RC2 5% Index 2 BNP Paribas Momentum Multi Asset 5 Index 3
1 Year
1 Year, 2 Year You can also allocate all or part of your cash value to a fixed account. Built-in protection against market corrections Ethos IUL index options feature a 0% minimum crediting rate, or floor , that protects you from market-based loss. Because index options can only step up, they reduce the impact of market volatility over time.
1 The index options are not securities; you are not investing in stocks or an index itself. Therefore, credited interest rates do not include dividends paid by companies in the indexes. 2 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 . 3 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 .
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