Ethos Index Universal Life Insurance (IUL)
Built-in benefits and additional policy options 1. Ethos IUL comes with no-cost additional benefits, or riders, that extend the power of your policy. Access living benefits for qualifying conditions According to the Centers for Disease Control, about 1 in 4 Americans face some type of disability 1 . To help ease the financial strain, the Care4Life Accelerated Death Benefit 2 rider lets you access a percentage of your death benefit early for qualifying conditions: • Critical illness: 25% of death benefit • Chronic illness: 50% of death benefit • Terminal illness: 75% of death benefit Protect yourself from policy lapse & unintended taxes If you borrow or withdraw from your cash value, the Overloan Protection Benefit helps to ensure that your policy doesn’t lapse, which would create a taxable event and loss of life insurance protection. Secure a lifetime income stream For a one-time activation fee, the Lifetime Income rider lets you use the cash value of your policy to create a guaranteed monthly income stream that lasts for the rest of your life. Get free estate planning tools A $449 value, the Ethos PERKS rider lets you create wills, trusts, power of attorney, health care directives and more. It also provides comprehensive estate and bereavement support for your loved ones. Not available in WA or SD. 2. Ethos IUL also offers optional riders at an additional cost: Waive premiums if you become disabled The Waiver of Specified Premium rider helps protect your policy from lapsing by waiving your premium payments during a qualified disability. Increase your death benefit in case of accident The Accidental Death Benefit rider increases your death benefit if death is due to an accident. 1 Centers for Disease Control, Disability and Health Data System, 2021, updated 5/23 2 Based on your health when you apply, we may offer the Terminal Illness rider instead, which allows early access to 75% of the death benefit for qualifying terminal health conditions.
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