Ethos Underwriting and Product Guidelines
F or lice n sed li f e age n ts o n l y . D o n ot distri b ute . IUL Product Details
Please refer to our Ethos IUL Agent Guide for additional information.
For a comprehensive view of Ethos, including our products, carriers and industry innovation, please see our Ethos Playbook for Agents.
Product
Ethos IUL, Indexed Universal Life Not available for all agents
Best-Moderate Risk
Carrier
Ameritas Life Insurance Corp.
Average customer profile
Health
Excellent/good health with few to no chronic conditions. Any existing chronic conditions are consistently well controlled and receive regular follow-up care
Financial & credit history
Good/fair/poor credit resulting in mid/high CBI score
Vehicle violations
Valid license not currently suspended or revoked
Major violations1
None within 5 years
Minor violations2
Few to none within 3 years
Age
Age 20–65 (age nearest)
$ 25 , 000– $1, 000 , 00 0 Age 20-50 : up to $1M Age 5 1 -60 : up to $ 500 K Age 6 1 -65 : up to $ 350 K
Coverage
T erm L e n gt h
N/A
Un der w riti n g process
90%+ instant de c ision . 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. Application questions and 3rd party evidence checks
4 non-tobacco Preferred Plus Non-Tobacco Preferred Non-Tobacco Select Non-Tobacco Standard Non-Tobacco with table ratings 1-10
2 tobacco Preferred Tobacco Standard Tobacco with table ratings 1-10
Un der w riti n g classes
F ree loo k period
30 days
R eplaceme n ts
U navaila b le
Premiums
Flexi b le
Pa y me n ts
Monthly and Annual ACH
Included at no costV ] C are 4 Life Accelerated D eath B ene fi t X ] Terminal Illness ( for applicants not eligible for C are 4 Life H ] Lifetime Income ride R ] O verloan Protection B ene fi t ( endorsement H ] E thos estate planning tools 3
Available at an additional cosy ] Accidental Death Benefi} ] Waiver of Specified Premium
Available riders & perks
Please refer to our for age, underwriting and state restrictions on rider availability. Ethos IUL Agent Guide
S tate a n d ot h er eligi b ilit y i n f ormatio n
NY | Support for ITIN, EAD & most visas; see our Foreign National Agent Guide for more info | Max 4 apps from non-Ethos carriers in prior 12 months
F i n a n cial Q ualificatio n s
F ace amou n t eligi b ilit y
Multiple of annual household income : Age < 30 : 4 0x | Age 30–3 9 : 35x | Age 4 0– 49 : 25x | Age 50–5 9 : 20x | Age 60–65 : 1 0x
N o n - w or k i n g spouses
Based on household income. Coverage amount cannot b e greater than spouse ’ s total of insurance in-force and applied for.
Additio n al fi n a n cial ma x es
Retired and single graduate students: $500K | S in g l e u n de r g ra du at e st ude nts : $250K
1 DUI/DWI, reckless driving, speed >90mph, accident resulting in injury, driving while license suspended 2 Minor violations: speeding <90mph, accident not resulting in injury, careless driving 3 Estate planning tools are available under the Perks benefit issued with eligible policies sold through Ethos. Policies issued in SD, WA, AK, and LA are not eligible to receive the Ethos Estate Planning perk. © 2025 Ethos Technologies Inc. Ethos operates in some states as Ethos Life Insurance Services. CA license #0L28949; AR license #100164629. Ethos offers policies issued by the carriers listed at www.ethoslife.com/carriers. Products and their features may not be available in all states.
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