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
No n - medical k n o c ko uts
A max of 4 apps from non-Ethos carriers in the prior 12 months is permitted. Applicants exceeding the max will be routed to our simpli fi ed issue whole life product.
P rior insurance activity
F elonies, probation or parole within last 10 years ; multiple recent misdemeanors. S ome felonies older than 10 years accepted with individual consideration
C riminal history
D rug / Alcohol use
Illegal drug use or drug / alcohol abuse within past 10 years
¥ License suspended or revoked within past yea ¥ Ma j or violations within 5 years (D UI /DW I, hit & run, reckless driving, speed > 90mph, accident resulting in in j ury, driving while license suspended ¥ N umerous minor violations within 3 years ( speeding <90mph, accident not resulting in in j ury )
V ehicle violations
M edical k n o c ko uts ( c o ntinued o n next p age ) S ee o ur current red -fl ag medicati o ns list .
Autoimmune disease or disorder
Lupus /S LE, scleroderma
BM I
<1 8 or > 49
Medical knockouts (continued)
If average BP within the past 12 monthsV T Age 18-39: >150/9Q T Age 40-49: >160/9Q T Age 50-59: >165/10\ T 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 applyV T Under age 3\ T Diabetes is associated with physical complications (eyes, kidneys, neuropathy, amputationÜ T A1C >9.5 within last 12 monthÍ T No testing or check up within the last 12 monthsì T BMI >41.49
Diabetes
Unable to work more than 30 consecutive days due to in j ury/illness within the past 12 months
Disability
H IV /A ID S
All cases
K idney failure, polycystic kidney disease, chronic kidney disease, dialysis (other than kidney stones)
K idney disease or disorder
L iver disease or disorder
A ny other than recovered hepatitis A or recovered hepatitis B/C (past 5 years)
An x iety, depression, PTSD, bipolar disorder, or other mental disorder w ith history any of the follo w ingV T Suicidal thoughts or attempt within 10 yearÍ T Hospitali z ation or inpatient treatment within the last 5 yearÍ T Disability or missed work/school (more than 10 days) in the last 12 months
M ental health
N eurological disease or brain disorder
A ny other than epilepsy/sei z ures, multiple sclerosis, Bell ’ s palsy, restless leg syndrome, narcolepsy, vertigo, migraine
Organ transplant
All cases
Chronic obstructive pulmonary disease (C O PD), emphysema or chronic bronchitis, pulmonary fibrosis, cystic fibrosis (CF), central sleep apnea
R espiratory 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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