Mutual Ownership

Ameritas Mutual Holding Company’s financial strength lies in its mutual form of ownership. We believe it is the best way to ensure the shared interests of our customers. It allows us to develop long-term strategies and make decisions benefiting our members, who are our policyholders and customers, for decades to come.Within the mutual holding company structure, eligible policyholders have membership rights at the mutual holding company level and policyholder contractual rights are with the insurance company issuing the policy. An eligible member owns one or more policies with Ameritas Life Insurance Corp. and Ameritas Life Insurance Corp. of New York. Members are entitled to vote in the election of the mutual holding company directors and to vote on other extraordinary business matters presented to them. Membership rights do not include Ameritas making any payments of dividends or other distributions.