Who is the carrier?
Ethos Protection IUL is issued by Ameritas Life Insurance Corp., a top-rated mutual carrier with more than 130 years of claims-paying history. For more information about Ameritas, visit Ameritas.com.
What are the indexed accounts available for Ethos Protection IUL?
Index accounts available for Ethos Protection IUL include:
- S&P 500® Index — 1 year
- S&P 500® Index — 2 years
- S&P 500® Sector Rotator Daily RC2 5% Index — 1 year
- BNP Paribas Momentum Multi Asset 5 Index— 1 year
- BNP Paribas Momentum Multi Asset 5 Index — 2 years
- Fixed account — See Ethos IUL Rate Sheet
What are the current index account rates?
Index account rates can fluctuate. Check our Ethos IUL Rate Sheet for the current rates.
What is the illustrated rate?
The illustrated rate is the rate used to project the policy performance. Each indexed account has an illustrated rate. The higher the illustrated rate, the higher the projected return. Illustrated rates are capped at regulatory limits. The Agent Portal currently supports illustrations at maximum illustrated rates.
What is the maximum face amount for Ethos Protection IUL?
Up to $1,000,000 in death benefit coverage is available for applicants ages 20–50.
What risk classes are available for Ethos Protection IUL?
4 non-tobacco
- Preferred Plus Non-Tobacco
- Standard Non-Tobacco
- Select Non-Tobacco
- Preferred Non-Tobacco
- Table ratings 1-10
2 tobacco
- Preferred Tobacco
- Standard Tobacco
- Table ratings 1-10
What riders are included with Ethos Protection IUL?
Included at no cost:
- The Care4Life Accelerated Death Benefit rider provides early access to a portion of the policy’s death benefit for 18 covered critical, chronic, and terminal health conditions. Applicants not eligible for this rider will be issued the Accelerated Benefit for Terminal Illness.
- The Lifetime Income rider provides a guaranteed stream of payments for life.
- The Ethos Perks rider provides online estate planning tools; not available in WA or SD.
For details, see the Agent Guide.
What add-on riders are available?
Included at an additional cost:
- The Accidental Death Benefit rider pays additional benefits if death is accidental.
- The Waiver of Specified Premium rider credits a specified amount of premium to the policy if the insured is disabled.
For details, see the Agent Guide.
What is the Lifetime Income Rider?
The Lifetime Income rider converts the cash value into a monthly income that lasts for the remainder of the policy owner’s life. The Lifetime Income rider is included at no additional cost with all Ethos Protection IUL policies, but there is a one-time activation fee. See the Agent Guide for more details.
What are Ethos Protection IUL’s premium limits?
Ethos Protection IUL supports premium limits up to $10K monthly and $120K annually. Additionally, Ethos Protection IUL supports short pay, non-level premium, and target premiums case designs.
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