Ameritas Life Insurance Quote Guide [2025 Update]

Protecting Your Future: Understanding Ameritas Life Insurance in 2025

Life insurance is a fundamental pillar of sound financial planning. It provides a crucial safety net, ensuring your loved ones are financially protected if the unexpected happens. Whether you’re thinking about income replacement, covering mortgage payments, funding education, or leaving a legacy, choosing the right life insurance policy is a significant decision. In the vast landscape of insurance providers, Ameritas Life Insurance Corporation stands out as a long-standing company with a diverse range of products. But is it the right choice for *you*?

Navigating the complexities of life insurance can feel overwhelming. Different companies offer various policy types, riders, and underwriting criteria. What works perfectly for one individual or family might not be the ideal solution for another. That’s where objective guidance becomes invaluable. At Insurance By Heroes, we understand this challenge deeply. Founded by a former first responder and military spouse, our agency is built on a foundation of service and integrity. Our team, many with backgrounds in public service themselves, is dedicated to helping you find the *best* coverage, not just *any* coverage.

This guide will delve into Ameritas life insurance, exploring their offerings and considerations for obtaining an Ameritas life insurance quote. Crucially, we’ll also emphasize why comparing options is essential. As an independent agency, Insurance By Heroes partners with dozens of top-rated carriers, including Ameritas. This allows us to shop the market on your behalf, comparing policies, features, and costs to tailor a solution that genuinely fits your unique circumstances and budget. We believe informed decisions are empowered decisions.

Who is Ameritas Life Insurance?

Ameritas Mutual Holding Company is the parent organization for Ameritas Life Insurance Corp. and Ameritas Life Insurance Corp. of New York. With roots tracing back to 1887, Ameritas has a long history in the insurance and financial services industry. They position themselves as a company focused on fulfilling life والمساعدة في تحقيق مستقبل مالي آمن (helping people fulfill life and achieve a secure financial future).

Key aspects of Ameritas include:

• History & Structure: Originally founded as Old Line Bankers Life Insurance Company of Nebraska, it has grown through various mergers and acquisitions. As a mutual holding company, it implies a structure focused on policyholders rather than stockholders, though specific operational details may vary.
• Financial Strength: Financial stability is paramount when choosing a life insurance carrier. You need assurance that the company can meet its long-term obligations. Ameritas generally holds strong ratings from major independent rating agencies like AM Best, Standard & Poor’s (S&P), and Moody’s. These ratings assess an insurer’s financial health and ability to pay claims. It’s always wise to check the latest ratings directly from the agencies or the insurer’s website when making a decision.
• Product Offerings: Ameritas offers a portfolio that extends beyond life insurance, often including dental, vision, hearing care, disability income insurance, retirement plans, and investments. This guide focuses specifically on their life insurance products.

While Ameritas has a solid reputation and diverse offerings, remember that they are just one carrier among many excellent options. Their specific products, underwriting guidelines, and pricing structure might be ideal for some, but less competitive for others based on individual health, lifestyle, and coverage needs. This is precisely why working with an independent agency like Insurance By Heroes is so beneficial – we provide the broader perspective necessary to ensure you find the optimal fit across the entire market.

Why is Life Insurance So Important?

Before diving deeper into Ameritas’ specific products, let’s quickly recap the fundamental reasons why life insurance is a critical consideration for most adults:

• Income Replacement: If you are a primary earner, life insurance can replace lost income, helping your family maintain their standard of living, pay bills, and cover daily expenses.
• Debt Coverage: The death benefit can be used to pay off outstanding debts, such as mortgages, car loans, student loans, or credit card balances, preventing this burden from falling on your survivors.
• Final Expenses: Funeral costs, burial or cremation expenses, and medical bills not covered by health insurance can add up quickly. Life insurance can cover these costs, easing the financial strain during a difficult time.
• Education Funding: You can ensure funds are available for your children’s or grandchildren’s future education expenses, like college tuition.
• Business Continuity: For business owners, life insurance can fund buy-sell agreements or provide key person insurance, ensuring the business can continue operating after the owner’s or a crucial employee’s death.
• Estate Planning & Legacy: Life insurance can provide liquidity to pay estate taxes or can be used to leave a financial legacy to heirs or charitable organizations.
• Peace of Mind: Knowing your loved ones are financially protected provides invaluable peace of mind.

Understanding these core needs helps clarify the *type* and *amount* of coverage you might require, which is the first step in seeking any life insurance quote, whether from Ameritas or another carrier.

Exploring Ameritas Life Insurance Policies

Ameritas typically offers several types of life insurance policies, designed to meet different needs and financial goals. Here’s an overview of common categories:

Term Life Insurance

• What it is: Provides coverage for a specific period (the “term”), such as 10, 15, 20, or 30 years. If the insured passes away during the term, the death benefit is paid to the beneficiaries. If the insured outlives the term, the coverage expires (unless renewed or converted). It’s generally the most affordable type of life insurance for a given death benefit amount, especially for younger, healthier individuals.
• Ameritas Potential Offerings: Ameritas often offers term life policies with various term lengths and features, potentially including options for conversion to a permanent policy later without needing new medical underwriting. They might have specific product names for their term offerings.
• Who it’s often good for: Individuals needing coverage for a specific period, like until children are grown, a mortgage is paid off, or retirement is reached. It’s a cost-effective way to secure a large death benefit.
• Important Consideration: While Ameritas’s term product might be competitive, its pricing and features should be compared against numerous other carriers. Factors like conversion options, available term lengths, and underwriting niches vary significantly. Insurance By Heroes can quickly run these comparisons for you, ensuring you don’t overpay or miss out on better features available elsewhere. An Ameritas life insurance quote for term coverage is just one data point in your research.

Whole Life Insurance

• What it is: A type of permanent life insurance offering lifelong coverage as long as premiums are paid. It features guaranteed level premiums, a guaranteed death benefit, and guaranteed cash value growth over time. The cash value accumulates on a tax-deferred basis and can be borrowed against or withdrawn.
• Ameritas Potential Offerings: Ameritas typically offers whole life policies, potentially including options for receiving dividends (though dividends are not guaranteed). These policies provide the security of guarantees but come with higher premiums than term life.
• Who it’s often good for: Individuals seeking lifelong protection, guaranteed cash value growth for estate planning or supplemental retirement income needs, and predictability in premiums.
• Important Consideration: Whole life is a long-term commitment with higher costs. The guarantees offered by Ameritas are valuable, but the rate of cash value growth, dividend potential (if applicable), and premium levels need careful comparison with other top whole life providers. Is Ameritas the absolute best value for your specific goals? An independent review through Insurance By Heroes, considering your age, health, and financial objectives, is crucial before committing.

Universal Life (UL) Insurance

• What it is: Another type of permanent life insurance offering more flexibility than whole life. Policyholders can often adjust their premium payments (within certain limits) and death benefit amounts. Cash value growth is based on current interest rates declared by the insurer, usually with a minimum guarantee.
• Ameritas Potential Offerings: Ameritas likely provides UL policies, possibly including variations like Guaranteed Universal Life (GUL), which focuses on providing a guaranteed death benefit up to a certain age (like 90, 95, 100, or 121) with lower premiums than whole life, but potentially less cash value accumulation.
• Who it’s often good for: Individuals seeking lifelong coverage with premium flexibility or those wanting permanent coverage focused primarily on the death benefit guarantee (GUL).
• Important Consideration: The flexibility of UL comes with complexity. Understanding how interest rate crediting works, the impact of policy costs, and the guarantees (or lack thereof) is vital. Comparing Ameritas’s UL illustrations, cost structures, and interest crediting history against other carriers is essential. Insurance By Heroes helps decipher these illustrations and find the UL policy that aligns with your risk tolerance and financial strategy, whether it’s from Ameritas or a competitor.

Indexed Universal Life (IUL) Insurance

• What it is: A variation of universal life where cash value growth is linked to the performance of a stock market index (like the S&P 500), but without directly investing in the market. Growth typically has a “floor” (often 0%, protecting against market losses) and a “cap” or participation rate limiting the upside potential. It offers potentially higher cash value growth than traditional UL or whole life, but it’s not guaranteed.
• Ameritas Potential Offerings: Many major carriers, potentially including Ameritas, offer IUL products. These policies come with various index choices, crediting methods (caps, participation rates, spreads), and loan provisions.
• Who it’s often good for: Individuals comfortable with potential market-linked fluctuations in cash value growth, seeking potentially higher returns than other permanent policies, often for tax-advantaged supplemental retirement income or wealth transfer.
• Important Consideration: IUL policies are complex. The performance illustrations are based on assumptions that may not materialize. Understanding the cap rates, participation rates, floors, policy charges, and loan features is critical. An Ameritas IUL might look attractive, but its specific structure and historical performance (if available) must be rigorously compared to IULs from other leading companies. Insurance By Heroes has the expertise to analyze these complex products and explain the potential risks and rewards, ensuring you understand how an Ameritas IUL stacks up against the competition before you consider getting an Ameritas life insurance quote for this type of policy.

Customizing Your Coverage: Policy Riders

Life insurance policies can often be customized with riders – optional additions that provide extra benefits or features, usually for an additional cost. While specific availability varies by product and state, common riders that Ameritas or other carriers might offer include:

• Waiver of Premium Rider: Waives future premium payments if the insured becomes totally disabled and unable to work for a specified period.
• Accidental Death Benefit Rider: Pays an additional death benefit if the insured dies as the result of a covered accident.
• Child Term Rider: Provides a small amount of term life insurance coverage for the insured’s children.
• Accelerated Death Benefit Rider (Living Benefits): Allows the policyholder to access a portion of the death benefit while still living if diagnosed with a qualifying terminal, chronic, or critical illness. This feature can be incredibly valuable but terms and conditions vary significantly between carriers.
• Guaranteed Insurability Rider: Allows the policyholder to purchase additional life insurance coverage at specified future dates without providing further evidence of insurability.
• Conversion Rider (on Term Policies): Allows the policyholder to convert their term policy to a permanent policy offered by the insurer without new underwriting.

When considering an Ameritas life insurance quote, understanding the available riders and their costs is important. However, rider availability, definitions (especially for living benefits), and pricing differ substantially across the industry. Insurance By Heroes helps you compare not just the base policy, but also the value and cost-effectiveness of riders from Ameritas versus other carriers to build truly comprehensive protection.

The Ameritas Life Insurance Quote Process: What to Expect

Obtaining a life insurance quote, whether from Ameritas or another company, typically involves several steps. The goal for the insurance company is to assess the risk associated with insuring you.

1. Information Gathering: You’ll need to provide basic information, including your date of birth, gender, state of residence, desired coverage amount, and policy type (e.g., term, whole life). You’ll also be asked about tobacco use, as this significantly impacts rates.
2. Health & Lifestyle Questions: Expect detailed questions about your medical history (past and present conditions, surgeries, medications), family medical history (especially concerning parents and siblings), height and weight, occupation, hobbies (e.g., scuba diving, aviation), driving record, and alcohol/drug use. Honesty and accuracy are crucial here; misrepresentation can lead to denial of claims later.
3. Underwriting Assessment: The insurance company’s underwriters review your application, health information, and potentially other data sources (like MIB Group reports, prescription history databases, and motor vehicle records) to classify your risk level.
4. Medical Exam (Potentially): Depending on the coverage amount, policy type, your age, and health history, a paramedical exam might be required. This typically involves measuring height, weight, blood pressure, and collecting blood and urine samples. Some policies, often for lower coverage amounts or through specific accelerated underwriting programs, may not require a traditional exam. Ameritas may offer accelerated underwriting options, but eligibility varies.
5. Risk Classification & Quote Generation: Based on the underwriting assessment, you’ll be assigned a risk class (e.g., Preferred Plus, Preferred, Standard Plus, Standard, Substandard/Rated). This classification directly determines your final premium. The initial quote you receive might be an estimate, with the final rate confirmed after underwriting is complete.

Getting an Ameritas life insurance quote directly involves providing your information solely to them. While this gives you their specific pricing, it doesn’t tell you how that pricing compares to the rest of the market for your unique profile.

Why Get Your Ameritas Life Insurance Quote Through Insurance By Heroes?

While you *can* approach Ameritas directly for a quote, working with an independent agency like Insurance By Heroes offers significant advantages:

• Comparison Shopping Made Easy: This is the biggest benefit. We represent dozens of top-rated carriers, not just one. When you request a quote through us, we instantly compare Ameritas’s potential offer against many others. You might find another highly-rated company offers similar or even better coverage for a lower premium based on your specific health profile or lifestyle. Why settle for one option when you can see the best from many?
• Unbiased, Expert Guidance: Our loyalty is to *you*, not to any single insurance company. We provide objective advice based on your needs. We understand the nuances of different policies, riders, and underwriting guidelines across various carriers. We can explain the pros and cons of an Ameritas policy versus alternatives in plain English.
• Tailored Recommendations: We take the time to understand your situation. As an agency founded by a former first responder and military spouse, and staffed by professionals with similar service backgrounds, we appreciate diverse needs and challenges. We don’t just sell policies; we craft solutions. We’ll help determine the right type and amount of coverage and find the carrier that best fits *your* life.
• Simplified Process: Instead of filling out multiple applications for different companies, you provide your information once through our secure system. We handle the legwork of gathering quotes and presenting you with the most competitive options.
• Advocacy: If underwriting challenges arise (e.g., a health condition requires special attention), we act as your advocate. We know which carriers tend to be more favorable for specific conditions and can help navigate the process to secure the best possible offer.
• Finding the Right Niche: Different insurers have underwriting “sweet spots.” One might be great for diabetics, another for pilots, and yet another for people who use tobacco. Ameritas might be competitive for some profiles but not others. We leverage our knowledge of the market to match you with the carrier most likely to offer favorable terms. Requesting an Ameritas life insurance quote is just one step; comparing it is the crucial next one.

Insurance By Heroes is committed to transparency and finding the right fit. While Ameritas is a reputable company we often work with, our goal is always to secure the best possible outcome for our clients by leveraging our access to the broader market.

Factors That Influence Your Life Insurance Quote

Regardless of whether you’re seeking an Ameritas life insurance quote or quotes from other carriers, several key factors consistently influence the premium you’ll pay:

• Age: Younger applicants generally receive lower rates because they have a longer life expectancy.
• Gender: Statistically, women have a longer life expectancy than men, often resulting in slightly lower premiums for the same coverage.
• Health: Your current health status and medical history are major factors. Conditions like heart disease, diabetes, cancer, high blood pressure, and high cholesterol can increase premiums or even lead to denial. Underwriters assess the severity and management of conditions.
• Tobacco Use: Smokers or users of other nicotine products typically pay significantly higher premiums (often 2-3 times more) than non-users due to the associated health risks.
• Lifestyle & Hobbies: Risky hobbies (e.g., skydiving, private piloting, rock climbing) or dangerous occupations can lead to higher premiums or policy exclusions.
• Family Medical History: A history of certain hereditary conditions (like early-onset heart disease or cancer) in immediate family members can sometimes impact rates.
• Driving Record: Multiple DUIs or reckless driving convictions can negatively affect your rates.
• Coverage Amount (Death Benefit): The larger the death benefit, the higher the premium.
• Policy Type: Term life is generally less expensive than permanent life (whole life, UL, IUL) for the same initial death benefit.
• Term Length (for Term Life): Longer terms (e.g., 30 years) usually have higher premiums than shorter terms (e.g., 10 years).

Because these factors are weighed differently by each insurer, the quote you receive from Ameritas could be higher or lower than quotes from other companies for the exact same coverage. Comparison is key.

Comparing Ameritas Life Insurance

Ameritas is a solid contender in the life insurance market, known for its history and range of products. However, no single company is the best choice for everyone. When evaluating an Ameritas life insurance quote, consider how it stacks up against competitors in areas like:

• Pricing: Are their premiums competitive for your specific age, health class, and desired coverage?
• Underwriting Niches: Are they particularly favorable or unfavorable for any specific health conditions or lifestyle factors you may have?
• Product Features: How do their policy guarantees, flexibility options (for UL/IUL), conversion privileges (for term), and rider options compare to other top carriers?
• Financial Strength Ratings: While likely strong, how do their ratings compare directly with other A-rated or higher companies you might be considering?
• Customer Service & Claims Reputation: What is their reputation for policyholder service and handling claims efficiently and fairly? (Independent reviews and surveys can offer insights).

This comparative analysis is exactly what Insurance By Heroes facilitates. We present you with options, clearly explaining the differences so you can make a confident choice based on value and suitability, not just brand recognition.

Take Control of Your Financial Security Today

Securing the right life insurance is one of the most responsible steps you can take for your loved ones’ future. It provides a financial backstop during life’s most challenging moments. While exploring options like those from Ameritas Life Insurance is a good starting point, understanding the full market landscape is essential to finding the best value and coverage.

Remember, Ameritas offers a range of potentially suitable products, but they represent just one path. Your unique health profile, financial goals, and budget might align better with offerings from one of the dozens of other highly-rated carriers available.

At Insurance By Heroes, we bridge that gap. Our commitment, rooted in service and experience, is to empower you with choice and clarity. We leverage our independence and market access to compare Ameritas and many other top insurers, ensuring you receive personalized recommendations designed for your specific needs. Don’t settle for the first quote you get. Let us shop the market for you, saving you time and potentially significant money while finding the protection your family deserves.

Ready to find the best life insurance coverage at the most competitive price? Don’t wait to secure your family’s financial future. Take the first step now by filling out the secure quote form on this page. Let the dedicated team at Insurance By Heroes provide you with a comprehensive comparison, including an assessment of how an Ameritas life insurance quote stacks up against the competition. Get your personalized, no-obligation quotes today!