The living benefits sale
Ethos Term – Choice with Living Benefits from Ameritas Life Insurance Corp.
Ethos offers a complete range of life insurance products that meet the protection needs of over 90% of applicants ages 20–85.* If you’ve determined that living benefits are important for your client, Ethos Term – Choice offers competitive coverage for a wide range of applicants.
Sales tips
á Start your sale with Ethos Term – Choice - Instant coverage up to $1M so you can write 2x larger cases than similar products—in the same amount of time - Competitive pricing for prime and moderate risk applicants - Living benefits up to 90% for 18 covered conditions1
- Free wills & trusts through Ethos Perks2 for broader protection - The A+ financial strength of Ameritas, a top-rated carrier.o
Term with Living Benefits tile in the quoter
á Choose the
to get started.»
á Once you’ve generated a quote for your client, use the agent-assisted application for optimal sales momentum and higher activation rates. You may also share the quote directly with your client, and they can complete the application on their own. Be sure to follow up and see if they have questions or need any assistance.
Produc t h i gh li gh ts
á Underwriting: 90% instant decision | 4 risk classes + table ratings 1-10 (living benefits available up to Table 4 á Included no-cost riders: Critical, Chronic and Terminal Illness Accelerated Benefits rider1 | Ethos Perks (except WA & SD)
Age
20–50
51– 6 0
6 1– 6 5
Term
10, 15, 20, 3 0 year
10, 15, 20 year
10, 15 year
Max
up to $1M
up to $500 K
up to $ 3 50 K
For full product details, see the
and . E thos f or A gents P l ayb oo k Ethos Field Underwriting Guide
*Averaged across ages . 1 Eligibility is subject to underwriting. Certain applicants will receive only the Terminal Illness Rider (TIR). 2 Ethos Perks is not available in W A & SD.
3 Ameritas is rated A+ (Strong) by Standard & Poor’s Global (2/24). This is the fifth highest of Standard & Poor’s 21 ratings assigned. Standard & Poor’s rating includes Ameritas Life Insurance Corp. and Ameritas Life Insurance Corp. of New York. Ameritas is also rated A (Excellent) by AM Best (5/23). The ratings assigned to Ameritas Life Insurance Corp. and Ameritas Life Insurance Corp. of New York provide an independent opinion of each insurer’s financial strength and ability to meet ongoing insurance policy and contract obligations. Standard & Poor’s and AM Best are recognized among the top authorities in analyzing insurance companies. Ratings are current as of the respective dates shown, and subject to change. For more information, visit Ameritas’ ratings page at https:/ www.ameritas.com/about/.
Ethos Term – Choice with Living Benefits from Ameritas Life Insurance Corp.
FAQs
What happens if I share my personal agent link or QR code with my client? If living benefits are important to your client, we recommend choosing the Term with Living Benefits tile in the quoter. Then, either do an agent-assisted sale, or run a quote and share it with your client. There is no way for clients to choose this product directly using your agent link. How can I ensure my client gets term with living benefits vs. another term product through Ethos? Start a quote using the Term with Living Benefits tile in the quoter. Our standard product routing may present a term product that does not offer living benefits. What product is my client routed to if they are not eligible for Ethos Term – Choice? Some applicants will get the Terminal Illness rider only. Clients who are not eligible for Ethos Term – Choice will be invited to apply for TruStage™ Term Life, a 100% instant decision product offering up to $300,000 in coverage for clients ages 20–69.
Is there manual underwriting?
What happens if my client’s case is declined in manual underwriting? Your and your client will be alerted via email. We recommend reaching out to your client immediately to offer TruStage™ Term Life using the agent-assisted application. TruStage Term Life offers 100% instant decision life insurance protection up to $300,000 for elevated risk clients ages 20–69. We estimate 5–10% of cases will be routed to manual underwriting.
Get started now!
The information herein is provided solely for educational purposes to provide you with information about products and services offered through Ethos. Ethos Term Life – Choice (form 3034 and state variations) is issued by Ameritas Life Insurance Corp. The product is not available in NY. Critical, Chronic and Terminal Illness Accelerated Benefits rider (Form ICC16 CCTIABR 11-16). Ameritas and Ethos Technologies Inc., are separate, independent entities. Ameritas® is a marketing name for subsidiaries of Ameritas Mutual Holding Company, including, but not limited to, Ameritas Life Insurance Corp. in Lincoln, Nebraska and Ameritas Life Insurance Corp. of New York (licensed in New York) in New York, 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 Ethos Technologies Inc., are separate, independent entities. Ethos offers policies issued by Ameritas Life Insurance Corp. (not licensed in New York). Products and their features may not be available in all states. © 2024 Ethos Technologies Inc. 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.
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