Ethos IUL Client Brochure

Ethos Index Universal Life Insurance (IUL)

Ethos and Ameritas: Speed and strength

Ameritas is a mutual-based company owned by its policyholders, not shareholders. This enables a focus on long-term financial strength. Since its founding in 1887, Ameritas has delivered on its financial promises, and currently enjoys top ratings for financial strength from the industry’s most trusted ratings agencies. A+ (Strong) | Standard & Poor’s Global (2/23) 1 A (Excellent) | AM Best (5/22) 2

Ethos is a technology company dedicated to bringing protection to millions of families with fast, online life insurance coverage. We’ve partnered with Ameritas Life Insurance Corp. to provide the benefits of index universal life through our simple application process. How it works 1. Apply with your agent – just answer a few health questions. 2. Review your coverage offer and policy illustration. 3. Activate your policy instantly with your first payment.

1 This is the fifth highest of Standard & Poor’s 21 ratings assigned. Standard & Poor’s rating includes Ameritas Life Insurance Corp. and Ameritas Life Insurance Corp. of New York. 2 This is the third highest of AM Best’s 13 ratings. For the latest Best's credit rating, access www.ambest.com . The ratings assigned to Ameritas Life Insurance Corp. and Ameritas Life Insurance Corp. of New York provide an independent opinion of each insurer’s financial strength and ability to meet ongoing insurance policy and contract obligations. Standard & Poor’s and AM Best are recognized among the top authorities in analyzing insurance companies. Ratings are current as of the respective dates shown, and subject to change. For more information, visit our ratings page at https://www.ameritas.com/about/ .

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