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 advantagesx 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 timex 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 our Max Cash Value and Max Retirement options. 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.
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For agent use only. The information herein is provided solely for educational purposes to provide you with information about products and services offered through Ethos.
Agents are expected to act within the scope of their license and may not sell, solicit or negotiate life insurance unless licensed in the state. Commissions paid to life licensed agents only.
Ethos Index Universal Life Insurance (form ICC23 3030 3-23 and state variations) is issued by Ameritas Life Insurance Corp. The product is not available in New York. 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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