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
Start your sale with Ethos Term – Choice - Instant coverage up to $1M - 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.3 Choose Term with Living Benefits in the quoter to get started
Once you’ve generated a quote for your client, submit an agent-assisted application with them. You may also share the quote directly with your client, and they can complete the application on their own.
Product highlights
Underwriting: 90% instant decision | 4 risk classes + table ratings 1-10 (living benefits available up to Table 4) Included no-cost riders: Critical, Chronic and Terminal Illness Accelerated Benefits rider1 | Ethos Perks
Age
20–50
5 1 – 6 0
61 – 6 5
Term
1 0, 1 5, 20, 3 0 year
1 0, 1 5, 20 year
1 0, 1 5 year
Max
up to $1M
up to $ 500 K
up to $3 50 K
For full product details, see the Ethos Field Underwriting Guide.
*Averaged across ages. 1 Eligibility is subject to underwriting. Certain applicants will receive only the Terminal Illness Rider (TIR). 2 Estate planning tools ( through Ethos Estate P lanning LL C, a wholly owned subsidiary ) are available under the P er k s benefit issued with eligible policies sold through Ethos. P olicies issued in SD , WA , A K , and LA are not eligible to receive the Ethos Estate P lanning per k. 3 A meritas is rated A+ (S trong ) by S tandard & P oor’s G lobal (4/ 25 ) . This is the fifth highest of S tandard & P oor’s 2 1 ratings assigned. S tandard & P oor’s rating includes A meritas L ife Insurance Corp. and A meritas L ife Insurance Corp. of N ew Y or k . A meritas is also rated A ( E x cellent ) by A M B est ( 5 / 25 ) , the third highest of A M B est ' s 13 ratings assigned. The ratings assigned to A meritas L ife Insurance Corp. and A meritas L ife Insurance Corp. of N ew Y or k provide an independent opinion of each insurer’s financial strength and ability to meet ongoing insurance policy and contract obligations. S tandard & P oor’s and A M B est are recogni z ed among the top authorities in analy z ing insurance companies. R atings are current as of the respective dates shown, and sub j ect to change. F or more information, visit A meritas’ 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? There is no way for clients to choose this product directly using your agent link. 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. How can I ensure my client gets term with living benefits vs. another term product through Ethos? Start a quote by choosing Term with Living Benefits 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 instant decision product offering up to $300,000 in coverage for clients ages 20–69.
Is there manual underwriting? We estimate 5–10% of cases will be routed to 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 instant decision life insurance protection up to $300,000 for elevated risk clients ages 20–69.
Get started now!
agents.ethoslife.com/quote
For agent use only
In approved states, 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. 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 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-2638
Page 1 Page 2Made with FlippingBook - professional solution for displaying marketing and sales documents online