Life insurance that protects you in three ways
Death benefit protection
Lifelong protection for your family
Ethos IUL is designed to provide life insurance coverage you’ll never outlive. As long as certain premium and cash value requirements are met, your loved ones are guaranteed to receive a tax-free death benefit1.
Financial support if major illness strikes
If you’re diagnosed with a qualifying critical, chronic, or terminal illness, you can access a portion of your death benefit early for medical expenses, your bucket list, or any other purpose.
Cash value growth potential
Tax-advantaged accumulation
Increase cash value through fixed account growth or through index options that credit you based on the performance of popular market indexes, up to a maximum. Growth is generally tax-free2.
Zero downside risk
If an index is down, the index option to which it’s tracked will never go below 0%—meaning you’ll avoid all market-based losses.
A lifetime financial cushion
Liquidity during your working years
Access your policy’s available cash value any time via tax-free policy loans and withdrawals3. Loans and withdrawals affect long-term policy performance.
Retirement income options
Activate the Lifetime Income option for a monthly income that lasts as long as you live. Or tap your policy’s cash value for supplemental retirement income as needed.
The speed and simplicity of Ethos IUL
Unlike traditional IUL offerings, the Ethos IUL application process involves no medical exams, blood tests, or weeks and months of underwriting. Simply answer a few health and financial questions with your agent, and our breakthrough technology can provide an instant coverage decision in most cases.
