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Ameritas Life Insurance Company

Ameritas Life Insurance Company, a mutual organization, has been serving Americans for over 125 years, offering a range of life insurance and annuity products. Headquartered in Lincoln, Nebraska, Ameritas has built a reputation for financial strength, stability, and customer satisfaction. In this article, we will delve into the company’s history, product offerings, pricing, and customer service, comparing its plans and features to help you make an informed decision.

History and Financial Strength

Ameritas Life Insurance Company was founded in 1887 as the Old Line Bankers Life Insurance Company of Nebraska. Over the years, the company has undergone several mergers and acquisitions, expanding its product portfolio and national presence. Today, Ameritas is licensed in 49 states and has assets exceeding $33 billion.

Ameritas boasts an impressive financial strength, with:

  • A.M. Best rating: A (Excellent)
  • Moody’s rating: A2 (Good)
  • Standard & Poor’s rating: A- (Strong)

Product Offerings

Ameritas offers a diverse range of life insurance and annuity products, catering to various needs and goals:

Term Life InsuranceTemporary coverage for a specified term (10, 15, 20, or 30 years)
Whole Life InsurancePermanent coverage with a cash value component
Universal Life InsuranceFlexible premium payments and adjustable coverage
Indexed Universal Life InsurancePotential for tax-deferred growth based on stock market indices
Variable Universal Life InsuranceInvestment options in various mutual funds
Final Expense Life InsuranceCoverage for funeral expenses and final costs
AnnuitiesTax-deferred savings and guaranteed income options

Pricing and Comparison

Ameritas’ pricing varies depending on factors like age, health, and coverage amount. Here’s a comparison of its term life insurance rates with other top insurers:

CompanyMonthly Premium (Male, 30, $250,000, 20-year term)
State Farm$14.15
Northwestern Mutual$13.95
New York Life$15.95

Customer Service and Claims

Ameritas prioritizes customer satisfaction, with:

  • 24/7 customer support
  • Online policy management and claims filing
  • 95% customer satisfaction rating (based on company data)

Riders and Add-Ons

Ameritas offers various riders and add-ons to enhance your policy:

Accidental Death BenefitAdditional coverage in case of accidental death
Waiver of PremiumSkips premium payments during disability or unemployment
Long-Term CareFinancial support for long-term care expenses
Overloan ProtectionProtection against policy lapse due to excessive loans


Ameritas Life Insurance Company offers a comprehensive range of life insurance and annuity products, backed by its financial strength and stability. While pricing may vary, its customer service and claims process are highly rated. When considering Ameritas, carefully evaluate your needs and goals, and compare its plans and features to find the best fit for you.

Tables and Comparison Charts

Please note that the tables and comparison charts in this article are for illustrative purposes only and may not reflect the most up-to-date information. For the latest and most accurate data, please visit the Ameritas website or consult with a licensed insurance professional.

Remember to always do your own research and consult with a financial advisor before making any insurance or investment decisions.