Ethos Agent Playbook

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

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. 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-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

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