Ethos Index Universal Life (IUL) issued by Ameritas Life Insurance Corp.
Underwriting Comparison Ethos IUL vs. leading competitor
Ethos’s underwriting advantage: We access hundreds of thousands of data points from authorized sources to provide real-time coverage offers with confidence. Our proprietary underwriting engine is lightyears ahead of the competition and enables us to price more advantageously for certain segments.
Coverage with confidence: Due to our rigorous underwriting, policies are less likely to be rescinded, so we protect agents from chargebacks, and protect clients from losing coverage.
High face amounts & approval rates: We offer instant coverage up to $1M, with an approval rate of 50%, which is in line with competitors.
Financial eligibility
Ethos IUL
Leading competitor
Age 20–50: $25K–$1M Age 51-60: $25K–$500k Age 61-65: $25K–$350k
Age 18-50: $25k-$300k Age 51-60: $25k-$250k
Max face amount
Non-medical knockouts
Ethos IUL
Leading competitor
F elony misdemeanor within past 10 years or pending charges ; on probation or parole
Criminal history
F elony conviction within past 10 years
Illegal drug use or drug / alcohol abuse within past 10 years
Illegal drug use or drug / alcohol abuse within past 10 years
D rug /A lcohol use
DUI or reckless driving convictions in past 5 year s
V ehicle v iolations
DUI or reckless driving convictions in past 5 years
N umerous minor violations within 3 years ( speeding <9 0mph, accident not resulting in in j ury )
Medical knockouts ( continued on next p age )
Ethos IUL
Leading competitor
A utoimmune disease / disorder
Lupus /S LE, scleroderma
Lupus, moderate / severe rheumatoid arthritis
B M I
< 18 or >4 0
Within published build charts
F or agent use onl y
Medical knockouts (continued)
Ethos IUL
Leading competitor
If average BP within past 12 monthsx v Age 18–39 >150/9r v Age 40–49: >160/9r v Age 50–59: ≥165/10n v Age 60: >175/100
Blood pressure
If hospitalized within past 10 years
All cancers diagnosed within past 10 years except for skin cancers
All cancer except basal cell and squamous cell carcinoma
Cancer
All types of heart disease ; some surgery after 5 years considered
Cardiovascular disease
All types of heart disease or surgery
Cholesterol
T otal cholesterol >350
None
If any of the following applyx C U nder age 3B C D iabetes is associated with physical complications ( eyes, kidneys, neuropathy, amputation T C Within last 12 month = v A1C >9. 4 v Fasting blood sugar >20n v Non - fasting blood sugar >25n C No testing or check up within the last 12 month = C BMI >41.49 Ineligible if unable to work more than 30 consecutive days due to in j ury/illness within the past 12 months. I nstant decision on all other instances . I neligi b le conditions : K idney failure, polycystic kidney disease, chronic kidney disease, dialysis ( other than kidney stones )
If any of the following applyx C U nder age 4i C With any complications
D ia b etes
D isa b ility
Case by case determination
K idney disease or disorder
All cases
L iver disease or disorder
I neligi b le conditions : Any other than recovered Hep A or Hep B/C recovered within past 5 years
All cases
Anxiety, depression, P T S D , bipolar disorder, or other mental disorder with history o f any o f the f ollowing S v S uicidal thoughts or attempt within 10 year = v Hospitalization or inpatient treatment within the last 5 year = v D isability or missed work/school ( more than 10 days ) in the last 12 months Can b e covered : E pilepsy/seizures, multiple sclerosis, Bell ’ s palsy, restless leg, narcolepsy, vertigo, migraine
Mental health
Bipolar, severe P T S D
N eurological disease or b rain disorder
Can b e covered : Bell ’ s palsy, restless leg, narcolepsy, vertigo, migraines
O rgan transplant
All cases
All cases
Chronic obstructive pulmonary disease, emphysema or chronic bronchitis, pulmonary fibrosis, cystic fibrosis ( CF ) , central sleep apnea
S evere asthma, chronic obstructive pulmonary disease, severe bronchitis, emphysema, sleep apnea ( not treated ) , cystic fibrosis
R espiratory disease or disorder
Product issued by Ameritas Life Insurance Corp., a subsidiary of Ameritas Mutual Holding Company in Lincoln, Nebraska. Ameritas Life Insurance Corp. is solely responsible for its own financial condition and contractual obligations. For more information, visit ameritas.com. © 2023 Ameritas Mutual Holding Company. Form #IUL-UWCOMP-1023.
For agent use only.
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