Underwriting & Product Overview
15
Ethos Protection IUL
Index universal life insurance. Not available for all agents. This product is is marketed to the public as Ethos IUL. For available index accounts and current rates, please see the . IUL Rate Sheet
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
Age 51–60
$25K–$500k
Age 61–65
$25K–$350k
States available
Not available in New York
Monthly ACH
Payment options
60%+ instant decision. P otential additional evidence ordered. Applicants not eligible for an instant IUL o ff er will be routed to manual U /W or Tru S tage ™ Advantage W hole Life.
U n d erwriting criteria
4 non-tobacco Preferred Plus Non-Tobacco Preferred Non-Tobacco Select Non-Tobacco Standard Non-Tobacco Table ratings 1-10
2 tobacco Preferred Tobacco Standard Tobacco Table ratings 1-10
U n d erwriting classes
F inancial & cre d it history
Health
V ehicle violations
V ali d license not currently suspen d e d or revoke d Ma j or violations : none within 5 year s Minor violations : few to none within 3 years
Average customer profile
Excellent / goo d health with few to no chronic con d itions. Any existing chronic con d itions are consistently well controlle d an d receive regular follow - up care
Please see the for detailed condition-specific ratings and knockout conditions. Ethos Field Underwriting Guide
G oo d/ fair / poor cre d it resulting in mi d/ high C B I score d epen d ing on age
R eplacements
U navailable
Included at no cost Care4Life Accelerated Death Benefit or Terminal Illness (for applicants not eligible for Care4Life) Lifetime Income rider Overloan Protection Benefit (endorsement) Ethos estate planning tools at no additional cost (except SD, WA, AK, and LA)
Available at an additional cost Accidental Death Benefit Waiver of Specified Premium
Available ri d ers & perks
Made with FlippingBook - professional solution for displaying marketing and sales documents online