Product representation
Ethos Protection 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. It should not be described as a superior option to other asset types designed for different primary purposes. It should not be described as the primary source of retirement income. Income generated from through policy loans and withdrawals in retirement can be described as supplemental retirement income. If discussing accessing cash value, it must be disclosed that this can reduce death benefit, and may incur fees, interest, or charges.
Client consent
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 signature
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 guaranteed and non-guaranteed policy projections. Be sure you've reviewed the illustration with your client and answered any questions.
© 2026 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. Ethos Protection IUL is issued by Ameritas Life Insurance Corp ("Ameritas") and is marketed to the public as Ethos IUL (Form ICC23 3030 3-23 and state variations). The product is not available in New York. Products and their features may not be available in all states. Ameritas and Ethos Technologies Inc., are separate, independent entities. Ameritas® is a marketing name for subsidiaries of Ameritas Mutual Holding Company. Subsidiaries include 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. Ameritas® and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life® is a registered service mark of affiliate Ameritas Holding Company.
202604ETH-2649
For agent use only. Not to be used for consumer solicitation purposes.
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