Ethos IUL Knockout Guide

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

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