Make Disability Income Insurance Easier to Place
Clear support at every stage
You’ve probably come across situations where a client has a clear need for income protection, and the conversation makes sense, but what happens next isn’t always straightforward. Whether you’ve written disability income insurance before or are just getting started, the path to placement isn’t always clear and outcomes can vary.
Ameritas helps bring more consistency and clarity to the process, with early case input, experienced underwriting access and practical training so you can move from opportunity to placed coverage with greater confidence.
What working with Ameritas looks like
Ameritas supports you in placing disability income insurance and growing your practice with accessible training, practical guidance and a mutual structure focused on long-term client value.
Training
- Pre-Sale Support
- New Business Support
- Sales Support
- Flexible Contracting
- Compensation
Build confidence with training and resources
Access educational materials, case guidance and tools designed to help you position and place coverage more effectively.
Identify opportunities earlier
Discuss cases with us before investing time, so you can focus on those most likely to succeed.
Provide end-to-end new business support
Direct access to experienced underwriters and a dedicated team to help manage your case, keeping everything on track and moving forward.
Access support when needed
Work with internal wholesalers and regional leaders for assistance with positioning and strategy.
Align with how you do business
We offer contracting options that fit your business, whether you’re with an agency or working as an individual producer.
Be recognized for production
Our compensation and recognition programs reward your production and persistency, with incentives and underwriting advantages for those who qualify.
Strategies aligned to real client situations
Every client is different, but the goal is always to protect their income in a way that matches their earnings and plans.
Highly compensated professionals
Monthly benefits for high income earners that can be standalone or supplemental to employer provided Group Long-Term Disability (LTD) benefits. Flexible policy design and additional benefit riders can help protect retirement savings and other assets from a sudden change in health.
Employer groups
Our guaranteed standard issue program offers easy enrollment, group access and reduced paperwork for qualifying employer groups.
Business owners
Coverage to protect a business owner’s personal and business income, reimburse eligible expenses and offer flexible options supporting continuity during disability.
Clients seeking simpler coverage options
A simplified coverage approach with a guaranteed renewable structure and no elimination period, designed to expand access and easier positioning.
Programs and discounts
Certain client situations may qualify for more competitive pricing or simplified access to coverage, which can make a meaningful difference in how a case is positioned and placed.
Employer multi-life opportunities
Groups as small as three employees may qualify for discounted pricing, creating a practical entry point for employer-based strategies.
Medical residents and fellows
Eligible physicians, dentists and veterinarians in training, and in some cases attending physicians, may qualify for discounted coverage early in their careers when future income potential is still developing. Learn more
Association and affiliation programs
Approved professional groups may offer more favorable pricing.
Electronic application and delivery
Using digital tools throughout the process may reduce premiums while also streamlining submission and issue.
Policy design choices
In some cases, clients may choose coverage structures that adjust benefits for certain conditions in exchange for lower premiums.
Many of these opportunities can be combined, allowing qualified clients to layer pricing advantages and improve overall case competitiveness.
Does this sound like what you need?
Contact us to learn how disability income insurance can fit into your client conversations and to help you determine the next steps for your practice.
Already appointed?
In approved states, DInamic Cornerstone Income Protection® (forms 4601NC, 4602GR, 4601NC GSI, 4602GR GSI), DInamic Foundation (forms 4501NC, 4502GR and 4503NC BOE) and DInamic Fundamental® (form 4504LS) are issued by Ameritas Life Insurance Corp. In New York, DInamic Cornerstone Income Protection® (forms 5601NC, 5602GR, 4601NC GSI and 4602GR GSI), DInamic Foundation (form 5503NC BOE) and DInamic Fundamental® (form 5504-LS) are issued by Ameritas Life Insurance Corp. of New York. Policy and riders may vary and may not be available in all states.