Ameritas Life Insurance
Ameritas Life Insurance for Protection, Cash Value, and Legacy Goals
Compare term, whole, and universal life insurance with guidance tailored to your family, business, and long-term plans.
Ameritas offers a broad life insurance portfolio. Term coverage can protect temporary needs, while whole and universal life may support permanent protection, cash-value accumulation, and legacy planning.
Life Insured By Chris can help you review the benefit amount, premium pattern, policy duration, and underwriting requirements before you apply.
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Why Consider Ameritas?
Multiple policy types: Term, whole life, and universal life can address different time horizons and budgets.
Cash-value options: Permanent policies may build value that can be accessed while the policy is in force.
Living-benefit riders: Ameritas offers accelerated death benefit riders for qualifying chronic, critical or terminal illness on eligible products; availability varies.
Personal and business uses: Coverage can support family protection, estate liquidity, succession planning, and key-person needs.
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Ameritas Term Life Insurance
Ameritas term insurance provides coverage for the number of years selected and may suit obligations that will eventually end. It typically begins with a lower premium than permanent insurance, but it does not provide lifelong protection unless converted or replaced.
Compare Term Life Insurance Options
Ameritas Whole Life Insurance
Whole life offers lifetime protection, level policy guarantees and cash-value growth, subject to the contract and the issuing company’s claims-paying ability. Loans and withdrawals reduce cash value and death benefits and can create lapse or tax consequences.
Review Whole Life Coverage Options
Universal Life Insurance
Universal life provides permanent protection with more flexibility in premiums or death benefits. That flexibility does not eliminate the need for adequate funding. Review an illustration periodically and understand which values are guaranteed.
Living Benefits
Eligible Ameritas policies may offer accelerated death benefit riders that allow access to part of the death benefit after a qualifying chronic, critical, or terminal illness. These riders are not available with every product or in every state and are not long-term-care insurance.
Who May Be a Good Fit?
Ameritas may merit consideration for families wanting both protection and permanent options, business owners, and clients exploring legacy or cash-value strategies. Suitability depends on the policy design, funding commitment, health and tax, or legal context.
Compare Before You Apply
Convenience is valuable, but it is not the only consideration. Life Insured By Chris can compare Ameritas with other available carriers based on your age, health, state, coverage amount, budget, and preferred policy duration.
Why Work With Life Insured By Chris?
Ameritas may offer a good solution, but no single insurance company is the best fit for everyone.
Life Insured By Chris is an independent life insurance brokerage with access to more than 30 carriers. Instead of limiting you to one company, we can compare Ameritas with other available carriers based on:
Your age and health history
Tobacco use and prescriptions
Desired coverage amount
Preferred policy length
Underwriting requirements
Available riders and benefit limitations
Your monthly budget
You receive personalized guidance and a clear explanation of the policy before deciding whether to apply. There is no pressure to select Ameritas if another carrier offers a better combination of price, benefits, and approval potential.
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Frequently Asked Questions
Does Ameritas offer both term and permanent insurance?
Yes. Its current life insurance page describes term, whole life, and universal life.
Can Ameritas life insurance provide benefits while I am alive?
Some eligible policies offer accelerated death benefit riders for qualifying illnesses. Rider terms and availability vary.
Is cash value guaranteed?
Some contractual values may be guaranteed, while others may depend on interest, index performance, expenses, or policy funding. Review the carrier illustration and contract.
Build Coverage Around Today's Needs and Tomorrow's Goals
The right life insurance policy should fit more than your budget. It should match the length of time you need protection, the financial responsibilities you want to cover, and the underwriting option most appropriate for your health.
Schedule a complimentary coverage review to compare Ameritas with other available carriers and receive personalized guidance from an independent brokerage.
Schedule My Free 15-Minute Coverage Review
Life Insured By Chris is an independent life insurance brokerage and is not owned by, operated by, or exclusively affiliated with Ameritas. Product availability, issue ages, coverage amounts, riders, premiums, underwriting decisions, and policy provisions vary by state and applicant. Coverage is not guaranteed unless expressly stated in the applicable policy. Always review the policy contract for complete benefits, exclusions, limitations, and graded-benefit provisions.
