Short pays with Ethos IUL
Accelerate cash growth and maximize retirement savings
What’s a short pay case design?
Short pays with Ethos IUL offers your clients the flexibility to choose a premium payment period as short as one year, compared to traditional long-term premium payments. By paying more premium upfront, clients can see significantly faster growth in their policy’s cash value.
Who’s suitable for it?
§ Have liquid cash: Ideal for those with a stable and higher income who have savings that are not currently being used or invested, and are looking for a way to grow that money with potential tax advantages} § Want a long-term investment: Those who are interested in securing a financial product that offers both life insurance coverage and a potential for growth over time} § Age and health factors: Likely to be individuals in their mid-30s to late 50s, who are in relatively good health and able to qualify for an IUL policy.
Meet James
Meet Samantha
James has $50,000 sitting in his bank account. With Ethos IUL, he can use this money to obtain life insurance protection, enjoy tax advantages, and accelerate cash value growth—all with a short-pay premium period of as little as two years.
Samantha is 55 and a high earner who wants to maximize her retirement savings. She can take advantage of the accelerated growth potential of an Ethos IUL short pay policy with premiums that stop when she retires.
Short pays with Ethos IUL
How to get started
Short pays are available with all Ethos IUL case designs. Premium payment periods can be tailored to meet your client’s financial goals. Simply choose monthly payments over the desired period, which will total the amount of the available premium.
Start an Ethos IUL quote
Ethos IUL Knockout Guide
Sex
Birth date
Male
09/03/1990
Residence
Smoking
Alabama
Non-smoker
Health class
Preferred
Solve for
Smart Solve™
Maximize Cash Value
Maximize Retirement Income
Enter premium budget
Premium Coverage
Monthly premium
$4,000
Min: $50
Max: $10,000
Number of premium payment years
88
Start earning rewards at agents.ethoslife.com/quote/iul/create
F or agent use only. T he information herein is provided solely for educational purposes to provide you with information about products and services o ff ered through Ethos .
A gents are e x pected to act within the scope of their license and may not sell, solicit or negotiate life insurance unless licensed in the state. C ommissions paid to life licensed agents only. Ethos Inde x Universal Life Insurance ( form I CC23 3030 3-23 and state variations ) is issued by A meritas Life Insurance C orp. T he product is not available in N ew Y or k . A meritas and Ethos T echnologies Inc., are separate, independent entities. A meritas ® is a mar k eting name for subsidiaries of A meritas M utual H olding C ompany, including, but not limited to, A meritas Life Insurance C orp. in Lincoln, N ebras k a and A meritas Life Insurance C orp. of N ew Y or k ( licensed in N ew Y or k) in N ew Y or k , N ew Y or k . Each company is solely responsible for its own financial condition and contractual obligations. F or more information about A meritas ® , visit ameritas.com. A meritas and Ethos T echnologies Inc., are separate, independent entities. Ethos o ff ers policies issued by A meritas Life Insurance C orp. ( not licensed in N ew Y or k) . Products and their features may not be available in all states . © 2025 Ethos T echnologies Inc. Ethos operates in some states as Ethos Life Insurance Services. CA license #0 L 28949; AR license #100164629 . Ethos o ff ers policies issued by the carriers listed at www.ethoslife.com / carriers. Products and their features may not be available in all states. T he information and content provided in this document is for informational purposes only and is not to be considered legal, ta x , investment, or financial advice. N o contract is formed or amended by this document.
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