Product representation
Ethos IUL is designed primarily to meet a need for lifelong death benefit protection. As a life insurance product, it cannot be sold primarily as an asset growth vehicle. It may not be described as an investment, a saving plan or account, a personal bank account, or other similar language. Most people should pursue a balanced portfolio of financial products for different needs and goals. Ethos IUL should not be described as a superior option to other asset types designed for different primary purposes. Ethos IUL should not be described as the primary source of retirement income. Income generated from Ethos IUL through policy loans and withdrawals in retirement can be described as supplemental retirement income. Clients must authorize Ethos to collect health and financial data, to use that data, and to conduct business electronically, among other things. These authorizations and other disclosures are provided during the application process and are important for the client to understand before signing. Client signatur | The application must be e-signed by the client, affirming the answers they have provided are truthful | The illustration is required to be signed, ensuring the client has received and understands the non-guaranteed policy projections. Be sure you've reviewed the illustration with your client and answered any questions.
Client consent
© 2023 Ethos Technologies Inc. Ethos operates in some states as Ethos Life Insurance Services. CA license #0L28949; AR license #100164629.Ethos offers policies issued by the carriers listed at www.ethoslife.com/carriers. Products and their features may not be available in all states. To help avoid requiring a medical exam, our application asks certain health and lifestyle questions. 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.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 New York, New York. 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 New York, New York. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com. 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.
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