Ethos Term – Choice with Living Benefits from Ameritas Life Insurance Corp.
Benefits that put the life in life insurance
Financial power if major illness strikes
According to the CDC, will experience a disability in their lifetime. Eligible applicants can get maximum protection against the odds with the Critical, Chronic and Terminal Illness Accelerated Benefits rider, included at no cost with Ethos Term – Choice1. If you’re diagnosed with a qualifying Illness, you'll be eligible to accelerate up to 90% of your policy’s death benefitr 1 in 4 Americans
~ Broad coverage — Get financial protection against 18 qualifying conditions, including major heart attack, stroke, and severe cognitive impairmentr
~ No restrictions — Use the money for medical expenses, your bucket list, or any other purposer ~ Top-rated carrier — Your benefits are backed by the A+ financial strength of Ameritas.2
Qualifying conditions
Terminal Illness | Any illness or condition where life expectancy is 12 months or less.
Chronic Illness | The inability to perform at least two activities of daily living (dressing, eating, bathing, toileting, transferring, continence) for at least 90 days or the presence of a severe cognitive impairment.
Critical Illness | The diagnosis of any of the following illnesses or conditions:
Invasive life threatening cance M ajor burn S trok Com M ajor heart attac Aplastic anemi End - stage renal failur Benign brain tumor
M ajor organ transplan > Aortic aneurys E A LS (Amyotrophic lateral sclerosis or L ou Gehrig’s disease (
H eart valve replacemen > Blindness due to diabete Coronary artery bypass graft surger - P aralysis of two or more limbs
P rotection in minutes
Through Ethos, your agent can help you get life insurance protection plus living benefits in minutes, not weeks or months. There’s no medical exams, just a few health and lifestyle questions.
1 Eligibility is subject to underwriting. Certain applicants will receive only the Terminal Illness R ider (TI R ) . 2 Ameritas is rated A+ ( S trong) by S tandard & P oor’s Global (2 / 2 4 ). This is the fifth highest of S tandard & P oor’s 21 ratings assigned. S tandard & P oor’s rating includes Ameritas L ife Insurance Corp. and Ameritas L ife Insurance Corp. of N ew York. Ameritas is also rated A (Excellent) by A M Best ( 5/ 2 3 ). The ratings assigned to Ameritas L ife Insurance Corp. and Ameritas L ife Insurance Corp. of N ew York 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 Best 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 subject to change. F or more information, visit Ameritas’ ratings page at https: / www.ameritas.com / about / .
How payments work
Your available benefit amount is based on the severity of your condition and its impact on your life expectancy.
u Once an available benefit amount is determined, you can choose to accept the full amount or any portion of it. An administrative fee of up to $250 applies ($100 in FL)d u The policy’s death benefit will be reduced, often by a greater amount than the benefit payment due to the your reduced life expectancyd u A new, reduced premium payment will be determined in proportion to the remaining benefit. This premium will continue to be payable until the end of the term period. Meet Suneel At age 35, Suneel bought an Ethos Term Life – Choice policy with a 20 year term. Five years later, he was diagnosed with Stage 3 prostate cancer and had to take several months off work for treatment. He exercised his policy’s Critical Illness benefit coverage to help pay his medical bills, the mortgage and other daily living expenses.
Original face amount (death benefit)
$500,000
Maximum Critical Illness amount, based on 55% reduced life expectancy
$165,204
Total premiums paid
$2,861
Remaining death benefit
$50,000
New premium once Critical Illness benefit was exercised
$9/month
For illustrative purposes only. Results will vary by individual at time of claim and may vary. Payout reflects assumed 6% interest interest rate in actuarial discount.
Eligibility
The Critical, Chronic and Terminal Illness Accelerated Benefits rider is available in all states where Ethos Term – Choice is offered, and via three distinct riders in California. Eligibility is sub j ect to underwriting. Certain applicants will receive only the Terminal Illness Rider (TIR).
U sing yo u r li v ing bene fi ts
To exercise your policy’s living benefits, contact Ethos customer support at ( 888 ) 3 84 - 6 7 54 or s u pp o r t @ etho slif e .c om.
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.
Form # ETC-LB-0524
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