Ethos IUL Rate Increases

Ethos Index Universal Life (IUL) issued by Ameritas Life Insurance Corp. Ethos IUL just got more competitive—again!

New 2/1 rates deliver the best Ethos IUL pricing and performance ever.

Competitive pricing The illustrated rate jumped from 5.38% to 5.66%, resulting in lower premiums for the same face amount.

35, Female Preferred Best 250K face

45, Male Standard 400K face

4 0 , Male Preferred 1M face

Then Now

Monthly premium

$109 $102

$345 $330 $15

$586 $553

$33

$1,308 $1229

$4,145 $3964

$ 7 ,029 $6635

Assumptions : P ricing based on S mart S olve ( Level P ay ( monthly ) to Endow at age 121, GP T, O ption A. “ Then ” column is based on illustrated rate of 5.38 % . “ Now ” column is based on illustrated rate of 5.66 % . All prices include the Care4Life rider, which provides access to a percentage of the death bene fi t for q ualifying terminal, critical, and chronic conditions. )

Competitive per f orm a nce The cap rate for the 1 Y ear S&P 500 ® Inde x option rose from 8. 2 5% to 8.75%, delivering higher inde x crediting on our most popular inde x option.

Sa mpl e 1 Y ear S & P 500 ® I nde x ca p rate p erfor m ance

1 2 /31/ 2 3

Now

$1, 000

$82.50

$8 7 .50

$1 0 , 000

$825

$8 7 5

$5 0

$8,250

$8, 7 50

Assumption : inde x return is e q ual to or greater than the cap rate in both e x amples

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.

The S&P 500 and S&P 500 Sector Rotator Daily RC2 5% are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by Ameritas Life Insurance Corp. S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). Ameritas Life Insurance Corp.’s life insurance products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 or S&P 500 Sector Rotator Daily RC2 5%. © 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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