Ethos Inde x Universal Life Insurance ( IUL )
Ethos Index Universal Life Insurance (IUL) Discover Ethos IUL from Ameritas Life Insurance Corp. Now, there’s an instant, hassle-free way for agents to protect more families with life insurance and financial benefits that work for them.
Put your clients in great hands with Ethos and Ameritas Cutting-edge tech from Ethos meets the dependability of a mutual company with more than 130 years of claims- paying history and top ratings3 for financial strength.
Focus on selling, not software
Enjoy a one-stop shop sales platform from quoting to activation. Choose Smart Solve™, our optimized case design tool for premium and coverage targets, or one of two advanced options. All illustrations include a custom client report with policy highlights to support sales conversations..
Enjoy great comp, paid daily
Get paid the day after the policy effective date with real-time earnings tracking in the Ethos agent portal.
Help clients maximize their policy with no-cost and add-on riders
Clients can enjoy the Care4Life Accelerated Death Benefit rider1, Lifetime Income rider, and Ethos Perks estate planning rider2 included at no charge. Add-on riders provide support for covered disability and accidental death.
Reach higher with $1M max coverage
Get more than 3x the coverage of some other instant IUL products. Meet the coverage needs of higher-income earners and those living in more expensive housing markets.
F or licensed life agents only. Do not distribute.
Ethos Index Universal Life Insurance ( IUL )
Sell more with Ethos
Leading Competitor
End-to-end quoting-to- application experience on a single platform that is simple and easy to use.
F ragmented experience w ith quoting and application on di ff erent sites
User experience
A simple, speedy platform Write more apps each day
Time from quote to decision
1 5 minutes
45 minutes
Easy illustration access w hile quoting
F ace amount
Up to $ 1,000,000
Up to $3 00,000
6 ris k classes + table ratings 1-10
Standard tobacco and non-tobacco only
More coverage options Higher face amounts, more risk classes & automatic re-routing for declines
R is k classes
Ineligible clients get access to TruStage TM Advantage Whole Life, a 100% instant decision product
5 0% of clients get declined w ith no alternatives o ff ered
Automatic rerouting
Agent training, product guide and more Agent training and product guide + customized client report with their illustration
C omprehensive agent training
C ompelling client education, including personali z ed policy highlight report
1. Subject to underwriting. Customers who do not qualify for this rider will receive the Terminal Illness rider instead, which allows early access to 75% of the death benefit for qualifying terminal health conditions. Care4Life rider is not a long term care product. 2. Estate planning tools are available under the Perks benefit issued with term policies sold through Ethos; not available in SD, WA, AK, and LA. $898 value is based on cost for you and spouse. 3. Ameritas is rated “A” (Excellent) by AM Best (5/25), the third highest of AM Best’s 13 ratings. For the latest Best’s credit rating, access www.ambest.com. Ameritas is rated A+ (Strong) by Standard & Poor’s (4/25) for insurer financial strength. 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. 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/. The comparison data is for informational use only and was gathered from sources believed to be reliable, but is not guaranteed. Agents are expected to act within the scope of their license and may not sell, solicit or negotiate life insurance unless licensed in the state. The information herein is provided solely for educational purposes to provide you with information about products and services offered through Ethos and is not to support the sales, solicitation, and/or negotiation of insurance products except by agents who are validly licensed in the relevant state(s) and appointed by the relevant carrier(s) as necessary. By partnering with Ethos, you agree to Ethos’ Terms & Conditions. © 2025 Ethos Technologies Inc. Ethos operates in some states as Ethos Life Insurance Services. CA license #0L28949; AR license #100164629. This is an ad. Ethos offers policies issued by the carriers listed at www.ethoslife.com/carriers. Products and their features may not be available in all states. The information and content provided is for informational purposes only and is not to be considered legal, tax, investment, or financial advice. 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 White Plains, New York. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com. ©2025 Ameritas Mutual Holding Company. 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. 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.
For licensed life agents only. Do not distribute.
IUL-OP-0923
Sell IUL , instantly. Start a quote now at agents.ethoslife.com/quote.
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