Ethos Index Universal Life (IUL) issued by Ameritas Life Insurance Corp. Knockout guide
Best-moderate risk life insurance
This is not a complete list of all knockout conditions. Additionally, applicants with multiple impairments may be ineligible for Ethos IUL. Please see our for additional impairments, uninsurable scenarios, and red-flag medications. Field Underwriting Guide Financial maximums
Multiple of annual household income: Age <30: 40x | Age 30–39: 35x | Age 40–49: 25x | Age 50: 20x | Age 60–65: 10x
Face Amount Eligibility
Based on household income. Coverage amount cannot be greater than spouse’s total of insurance in-force and applied for.
Non-working spouses
Retired
Maximum $500K
Single graduate students
Maximum $500K
Single undergraduate students
Maximum $250K
N on - medical knockouts
A max of 4 apps from non- E thos carriers in the prior 12 months is permitted. Applicants exceeding the max w ill be routed to our simpli fi ed issue w hole life product.
P rior insurance acti v ity
F elonies , probation or parole w ithin last 10 y ears ; multiple recent misdemeanors. S ome felonies older than 10 y ears accepted w ith individual consideration
C riminal h istory
D rug / Alco h ol use
I llegal drug use or drug / alcohol abuse w ithin past 10 y ears
L icense suspended or revoked w ithin past y ea r Ma j or violations w ithin 5 y ears (DUI/DWI, hit & run , reckless driving , speed > 90mph , accident resulting in in j ur y, driving w hile license suspended ) N umerous minor violations w ithin 3 y ears ( speeding <90mph , accident not resulting in in j ur y)
V e h icle v iolations
Medical knockouts (continued on next page) See our current red-flag medications list.
Autoimmune disease or disorder
L upus /SLE, scleroderma
BMI
<1 8 or > 49
Medical knockouts (continued)
If average BP within the past 12 months: Age 18-39: >150/98 Age 40-49: >160/98 Age 50-59: >165/100 Age 60: >175/100
Blood pressure
All cancers diagnosed within the past 10 years, except for skin cancers (eg: basal cell skin cancer, squamous cell skin cancer, melanoma)
Cancer
Heart disease, congestive heart disorder, heart failure, valve disorder, cardiomyopathy, coronary artery disease, peripheral vascular/artery disease, pulmonary hypertension, carotid artery disease
Cardiovascular disease
Cholesterol
Total cholesterol >350
COVID-19
Any symptoms or positive test within the past 14 days
If any of the following apply: U nder age 30 D ia b etes is associated with physical complications ( eyes, k idneys, neuropathy, amputation ) A1 C >9 . 5 within last 12 month s N o testing or chec k up within the last 12 months B M I >41 . 49
Dia b etes
U na b le to wor k more than 30 consecutive days due to in j ury/illness within the past 12 months
Disa b ilit y
H IV /A ID S
All cases
K idney failure, polycystic k idney disease, chronic k idney disease, dialysis ( other than k idney stones )
K idne y disease or disorder
L iver disease or disorder
Any other than recovered hepatitis A or recovered hepatitis B/C (past 5 years)
Anxiety, depression, PTSD, bipolar disorder, or other mental disorder with history any of the following: Suicidal thoughts or attempt within 10 years Hospitalization or inpatient treatment within the last 5 years Disability or missed work/school (more than 10 days) in the last 12 months
M ental health
N eurolo g ical disease or b rain disorder
Any other than epi l epsy/sei zu res , mul tip l e sc l erosis , Be ll’ s pa l sy , rest l ess l e g sy n dro m e , n arco l epsy , verti g o , m i g rai n e
Or g an transplant
All cases
C hronic o b structive pulmonary disease (C O P D) , emphysema or chronic b ronchitis, pulmonary fi b rosis, cystic fi b rosis (C F ) , central sleep apnea
R espirator y disease or disorder
Product issued by Ameritas Life Insurance Corp., a subsidiary of Ameritas Mutual Holding Company in Lincoln, Nebraska. Ameritas Life Insurance Corp. is solely responsible for its own financial condition and contractual obligations. For more information, visit ameritas.com. ©2023 Ameritas Mutual Holding Company. Form #IUL-SSTM-0823
For agent use only
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