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 ratings 3 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 three advanced options. All illustrations include a custom client report.
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. M eet the coverage needs of higher-income earners and those living in more e x pensive housing markets.
F or licensed life agents only. Do not distribute.
Ethos I ndex Universal Life I nsurance (I UL )
Sell more with Ethos
L eading C ompetitor
End-to-end quoting-to- application experience on a single platform that is simple and easy to use.
Fragmented 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
Face amount
Up to $1,000,000
Up to $ 3 00,000
6 risk 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
Risk classes
Declined clients get access to TruStage Advantage Whole Life, a 100% instant decision product
5 0% of clients get declined w ith no alternatives o ff ered
Automatic rerouting
C omprehensive agent training
Total sales support Our signature Ethos Academy agent training + custom client reports that help bring their full illustration to life.
C ompelling client education, including personali z ed policy highlight report
1. Sub j ect to under w riting. C ustomers w ho do not qualify for this rider w ill receive the Terminal I llness rider instead, w hich allo w s early access to 75 % of the death bene fi t for qualifying terminal health conditions. C are 4 Life rider is not a long term care product . 2 . Estate planning tools are available under the P erks bene fi t issued w ith term policies sold through Ethos ; not available for TruStage ® or in WA or SD . 3 . Ameritas is rated “ A ” ( Excellent ) by A M B est (5/22) , the third highest of A M B est ’ s 1 3 ratings. For the latest B est ’ s credit rating, access www .ambest.com. Ameritas is rated A+ ( Strong ) by Standard & P oor ’ s (2/23)2 for insurer fi nancial strength. This is the fi fth highest of Standard & P oor ’ s 2 1 ratings assigned. Standard & P oor ’ s rating includes Ameritas Life I nsurance C orp. and Ameritas Life I nsurance C orp. of N e w Y ork. The ratings assigned to Ameritas Life I nsurance C orp. and Ameritas Life I nsurance C orp. of N e w Y ork provide an independent opinion of each insurer ’ s fi nancial strength and ability to meet ongoing insurance policy and contract obligations. Standard & P oor ’ s and A M B est are recogni z ed among the top authorities in analy z ing insurance companies. Ratings are current as of the respective dates sho w n, and sub j ect to change. For more information, visit our ratings page at https :/www .ameritas.com / about /. The comparison data is for informational use only and w as gathered from sources believed to be reliable, but is not guaranteed . Agents are expected to act w ithin 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 w ith information about products and services o ff ered through Ethos and is not to support the sales, solicitation, and / or negotiation of insurance products except by agents w ho are validly licensed in the relevant state ( s ) and appointed by the relevant carrier ( s ) as necessary. B y partnering w ith Ethos, you agree to Ethos ’ Terms & C onditions. © 2 0 23 Ethos Technologies I nc. Ethos operates in some states as Ethos Life I nsurance Services. C A license # 0L 28949; AR license # 1001 64629 . This is an ad. Ethos o ff ers policies issued by the carriers listed at www .ethoslife.com / carriers. P roducts 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 fi nancial advice . Ameritas ® is a marketing name for subsidiaries of Ameritas M utual Holding C ompany, including, but not limited to, Ameritas Life I nsurance C orp. in Lincoln, N ebraska and Ameritas Life I nsurance C orp. of N e w Y ork ( licensed in N e w Y ork ) in N e w Y ork, N e w Y ork. Each company is solely responsible for its o w n fi nancial condition and contractual obligations. For more information about Ameritas ® , visit ameritas.com. ©2 0 23 Ameritas M utual Holding C ompany . Ameritas and Ethos Technologies I nc., are separate, independent entities. Ethos o ff ers policies issued by Ameritas Life I nsurance C orp. ( not licensed in N e w Y ork ) . P roducts and their features may not be available in all states. I n approved states, Ethos I ndex Universal life insurance ( form 3 0 3 0 3-23 w ith 3 0 3 0 S C H 3-23) is issued by Ameritas Life I nsurance C orp. I n Oregon, policy form ICC23 3 0 3 0 3-23 w ith ICC23 3 0 3 0 S C H 3-23 . The product is not available in N e w Y ork . For licensed life agents only. Do not distribute . I UL - O P- 0 923
Sell IUL , instantly. Start a quote now at https://agents.ethoslife.com/quote.
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