Underwriting & Product Overview
14
Ethos Protection IUL (filed as Ethos IUL)
Index universal life insurance — not available for all agents
Carrier
Ameritas Life Insurance Corp.
Age 20–65 (age nearest)
Issue age
$25,000–$1,000,000
Coverage amounts
$25K–$1M
Age 20–50
Available face amounts by age
$25K–$500k
Age 51–60
Age 61–65
$25K–$350k
States available
Not available in New York
Monthly ACH
Payment options
60%+ i nstant dec i s i on . Potent i a l add i t i ona l e vi dence ordered . A pp li cants not e li g i b l e for an i nstant I U L offer will be routed to manua l U/W or TruStage™ A d v antage Who l e Li fe .
Underwriting criteria
4 non-tobacco Preferred Plus Non-Tobacco Preferred Non-Tobacco Select Non-Tobacco Standard Non-Tobacco Table ratings 1-10
Underwriting classes
2 tobacco Preferred Tobacco Standard Tobacco Table ratings 1-10
Health
F inancial & credit history
V ehicle violations
V alid license not currently suspended or revoke d Ma j or violations : none within 5 year s Minor violations : few to none within 3 years
Average customer profile
E xcellent / good health with few to no chronic conditions. Any existing chronic conditions are consistently well controlled and receive regular follow - up care
Please see the for detailed condition-specific ratings and knockout conditions. Ethos Field Underwriting Guide
G ood / fair / poor credit resulting in mid / high C B I score depending on age
R eplacements
Unavailable
Made with FlippingBook - professional solution for displaying marketing and sales documents online