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)
Coverage amounts
$25,000–$1,000,000
Age 20–50
$25K–$1M
Max 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 TruStage TM Advantage Whole Life.
Underwriting criteria
4 non-tobacco Preferred Plus Non-Tobacco Preferred Non-Tobacco Select Non-Tobacco Standard Non-Tobacco Table ratings 1-10 2 tobacco
Underwriting classes
Preferred Tobacco Standard Tobacco Table ratings 1-10
Average customer profile
Health
Financial & credit history
Vehicle violations
Excellent/good health with few to no chronic conditions. Any existing chronic conditions are consistently well controlled and receive regular follow-up care.
Good/fair/poor credit resulting in mid/high CBI score depending on age
Valid license not currently suspended or revoked Major violations: none within 5 years Minor violations: few to none within 3 years
Please see the Ethos Field Underwriting Guide for detailed condition-specific ratings and knockout conditions.
Replacements
Unavailable
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 Perks Rider (online estate planning tools)
Available at an additional cost Accidental Death Benefit Waiver of Specified Premium
Available riders & perks
Please refer to our Agent Guide for age, underwriting and state restrictions on rider availability.
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