Ethos Protection 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 Protection IUL. Please see our Field Underwriting Guide for additional impairments, uninsurable scenarios, and red-flag medications. 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
I f average B P w ithin the past 12 months: Age 1 8 -39: > 150 / 9 8 Age 40-49: > 160 / 9 8 Age 50-59: > 165 / 10 0 Age 60: > 1 7 5 / 100
B lood pressure
Medical knockouts (continued)
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
I f any of the following apply : U nder age 3 0 D ia b etes is associated with physical complications ( eyes, k idneys, neuropathy, amputation ) A1 C > 9. 5 within last 1 2 month s N o testing or chec k up within the last 1 2 months BMI >41 . 4 9
Dia b etes
U na b le to wor k more than 30 consecutive days due to in j ury/illness within the past 1 2 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 trans p lant
All cases
C hronic o b structive pulmonary disease (C OP D) , emphysema or chronic b ronchitis, pulmonary fi b rosis, cystic fi b rosis (C F ) , central sleep apnea
R es p irator y disease or disorder
For agent use only. Ethos Protection IUL is issued by Ameritas Life Insurance Corp ("Ameritas") and is marketed to the public as Ethos IUL (Form ICC23 3030 3-23 and state variations). The product is not available in New York. Products and their features may not be available in all states. Ameritas and Ethos Technologies Inc., are separate, independent entities. Ameritas® is a marketing name for subsidiaries of Ameritas Mutual Holding Company. Subsidiaries include Ameritas Life Insurance Corp. in Lincoln, Nebraska and Ameritas Life Insurance Corp. of New York (licensed in New York) in White Plains, New York. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com. Ameritas® and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life® is a registered service mark of affiliate Ameritas Holding Company. © 2026 Ethos Technologies Inc. ("Ethos"). 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. The information and content provided in this document is for informational purposes only and is not to be considered legal, tax, investment, or financial advice. No contract is formed or amended by this document. 202604ETH-2646
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