Underwriting & Product Overview
15
Ethos IUL
Index universal life insurance — not available for all agents
Carrier
Ameritas Life Insurance Corp.
Issue age
Age 20–65 (age nearest)
$25,000–$1,000,000
Coverage amounts
Age 20–50
$25K–$1M
Available face amounts by age
Age 51–60
$25K–$500k
Age 61–65
$25K–$350k
States available
Not available in New York
Payment options
Monthly ACH
60%+ instant decision. Potential additional evidence ordered. Applicants not eligible for an instant IUL offer will be routed to manual U/W or TruStageTM Advantage Whole Life.
Underwriting criteria
4 non-tobacco Preferred Plus Non - Tobacc o Preferred Non - Tobacc o Select Non - Tobacc o Standard Non - Tobacc o Table ratings 1 - 1 0
Underwriting classes
2 tobacco Preferred Tobacc o Standard Tobacc o 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 pro fi l e
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 - speci fi c 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
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