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Disability Income Insurance

Many people think that a disability is something that happens to “other people.” The reality is, becoming too sick or hurt to work can happen to anyone at any time. Disability income insurance helps protect you and your family from a loss of income should you become disabled as the result of an illness or injury.

Policys That Go to Work When You Can't

Ameritas Life Insurance Corp. offers a variety of individual disability income insurance products with a selection of benefit and elimination periods, riders and payment options so you can design a policy that works best for you.

Income is the foundation. Protect it with disability income insurance from Ameritas Life Insurance Corp.

Noncancelable and Guaranteed Renewable Policy

This means as long as premiums are paid, Ameritas cannot cancel or change the policy or increase the rates prior to age 65. A strong base policy is just the beginning. With a choice of several definitions of total disability and a selection of benefit and elimination periods, you can custom design the policy that will work best for you.

Guaranteed Renewable Policy

This means as long as premiums are paid, Ameritas cannot cancel or change the policy prior to age 65. We reserve the right to change rates. A strong base policy is just the beginning. With a choice of several definitions of total disability and a selction of benefit and elimination periods, you can custom design the policy that will work best for you.

DInamic Fundamental® Policy

This is an individual disability income insurance policy that pays a monthly or lump sum benefit for a covered total disability that results from an injury or sickness.

Business Overhead Expense Policy

This policy is designed to reimburse small business owners (sole proprietors, partners, closely held corporations) for normal and customary expenses necessary to maintain their business in the event of their disability.

Guaranteed Standard Issue (GSI) Program

Through our GSI program, individual disability income insurance policies are offered simplified underwriting and significant premium discounts to a group of individuals working in professional and executive occupations with the same employer.

Getting Started

Your insurance or financial representative can assist you in obtaining disability income insurance coverage to help meet your needs. 

 

DInamic Foundation (Forms 4501NC, 4502GR and 4503BOE) is issued by Ameritas Life Insurance Corp. Policy and riders may vary and may not be available in all states.

In approved states, DInamic Fundamental® (Form 4504LS) is issued by Ameritas Life Insurance Corp. Policy may vary and may not be available in all states.