Built-in benefits and policy add-ons Additional benefits known as riders and endorsements can extend the power of your policy. Included with your policy Living benefits for [17] qualifying conditions
100% digital estate planning Use Ethos estate planning tools to create family legal documents, including: ● Legal will ● Power of attorney ● Living trust ● Health care directives ● Medical consent An $898 value, Ethos Perks let you take charge of your legacy without an attorney. 3 Return of premium to your beneficiaries The Return of Premium Death Benefit Endorsement provides beneficiaries with a specific return of premium upon the insured’s death. Subject to eligibility. 4
The Accelerated Death Benefit Endorsement (ADBE) for critical, chronic, and terminal illness lets you access up to 90% of the death benefit for qualifying conditions, including heart attack, stroke, and severe cognitive impairment. Money can be used for any purpose. Critical and chronic benefits are subject to eligibility. 1 Death benefit protection when using the policy for income The Protected Death Benefit Endorsement guarantees a specific minimum death benefit. 1,2 Protection even if cash values are low The Overloan Protection Benefit Endorsement helps keep the policy from lapsing due to excessive loans. 1
Options at an additional cost ● The Waiver of Monthly Deductions Rider waives monthly premium for each month the insured is totally disabled. 5 ● The Flexible Benefit Rider waives current costs of insurance and expense charges for disability until age 65. 6 ● The Accidental Death Benefit provides up to $250K in additional death benefit if death is a direct result of an accident and occurs within 180 days from the date of the injury. 7 1 For the Accelerated Death Benefit, Protected Death Benefit, and Overloan Protection Benefit, only one of these three benefits may be in effect while the policy is in force. 2 Available beginning age 65 as long as the policy has been in force for at least 15 years. 3 Not available in SD, WA, AK, and LA. $898 value is based on cost for you and spouse. 4 Max issue age 70. 5 If total disability begins on or after age 60, premiums are waived to age 65. If total disability extends to age 65, all further premiums are waived. Available at issue only, up to age 59. Subject to eligibility. 6 Available at issue only, up to age 59 for primary insured when Waiver of Monthly Deductions Rider is included. Subject to eligibility. 7 Available at issue only, up to age 60. Subject to eligibility.
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