Ethos IUL Knockout Guide

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

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