Ethos Index Universal Life Insurance (IUL)

Discover Ethos IUL from Ameritas Life Insurance Corp. Now, there’s an instant, hassle-free way to protect more families with life insurance and financial benefits that work for them.

Focus on selling, not software

Enjoy a seamless, one-stop sales platform from quoting to activation. Choose Smart Solve™, our optimized case design tool for premium and coverage targets, or one of three advanced options. All illustrations include a customized client report that brings illustrations to life.

Sell IUL instantly

Ethos IUL is only available to select, exclusive agents. Sign up for Ethos’ term and whole life products and we'll notify you when IUL is more widely available.

Enjoy great comp, paid daily

Get paid the day after the policy effective date with real-time earnings tracking in the Ethos agent portal.

Help clients maximize their policy with no-cost and add-on riders

Clients can enjoy additional benefits with the Care4Life Accelerated Death Benefit rider1, Lifetime Income rider, and Ethos Perks estate planning rider2, all included at no charge. Add-on riders provide additional financial support for covered disability and accidental death.

Reach higher with $1M in max coverage

Get more than 3x the coverage of some other instant IUL products. Meet the coverage needs of higher-income earners and those living in more expensive housing markets.

Say hello to a product that checks more boxes

Compare Ethos IUL to common life insurance alternatives.

Put your clients in great hands with Ethos and Ameritas

Cutting edge tech from Ethos meets the dependability of a mutual company with more than 130 years of claims-paying history and top ratings for financial strength.