With its guarantees and lifetime protection, Keystone Whole Life insurance, issued by Ameritas Life Insurance Corp. in most states, and issued in New York by Ameritas Life Insurance Corp. of New York, offers features you, your business and your family can count on: affordable protection, guaranteed death benefit and tax advantages. Guarantees are backed by the claims paying ability of the issuing company.
Keystone Whole Life is designed to offer affordable premiums. What’s more, regardless of changes in your health, your Keystone Whole Life premiums are guaranteed to remain level.
As long as you make scheduled premium payments, your death benefit is guaranteed, and may even increase over time.
Keystone Whole Life builds cash value at a guaranteed minimum interest rate of 4%. Plus, whole life insurance typically pays dividends. You can use your Keystone Whole Life dividends to:
You may even elect to receive dividends in cash. Although dividends are not guaranteed, Ameritas has paid them consistently, even during periods of declining long-term interest rates.
Your insurance or financial professional can provide more information and can assist you in obtaining Keystone Whole Life insurance coverage to help meet your needs. For more information see our product brochure.
Keystone Whole Life (Form 3013) is issued by Ameritas Life Insurance Corp. in approved states. In New York, Keystone Whole Life (Form FA 8612 NY) is issued by Ameritas Life Insurance Corp. of New York. Policy and riders may vary and may not be available in all states. Each company is solely responsible for its own financial condition and contractual obligations.
Withdrawals and loans will reduce available death benefit and policy value. Withdrawals beyond basis may be taxable income. Excessive and unpaid loans will reduce death benefits and policy value and may cause the policy to lapse.