Insurance for Fee-Based Practices

No-load insurance products, including variable universal life insurance and variable annuities, are designed to help expand your services and deepen your client relationships. We make it simple by providing the products, tools and professional support you need.

Let’s get started.
Call 800‑255‑9678 or complete this form.


In the early 1980s, Ameritas pioneered a new life insurance product design by removing the major sales commission and home-office expenses, which resulted in lower expense charges and no surrender charges. Today we offer both low-load variable universal life insurance and a no-load variable annuity.

Designed to be easy to understand and explain.

Focus on liquidity to create maximum flexibility.

Keep expenses and fees low so more of every dollar can work for your client.

Offer low-cost investment options from Vanguard, Dimensional, Fidelity and other respected financial managers.

Not available to representatives of Ameritas Investment Company, LLC or Ameritas Advisory Services, LLC.


Our tools will make it easier to enhance your wealth management offerings by helping you accumulate, protect and manage your client’s wealth.

Marketing materials, including life insurance policy reviews, annuity cost comparisons and beneficiary reviews.

Education for you and your clients about variable annuity products.

Complete access to client accounts so you can retain control of the client relationship.

Professional support

You choose the level of support you want from the efficient salaried professionals on our dedicated advisor solutions team. They provide:

Illustration software so you can run your own proposals—or we can run the illustrations for you.

Application paperwork—or we can facilitate the entire application process directly with your client.

When you place a life insurance case with us, we can coordinate the medical requirements and a dedicated Ameritas team member will closely follow each client’s case. This daily monitoring relieves you of paperwork and other administrative activities.

If you choose, we can help review and transfer your existing variable annuity business as you build your fee-only practice.

Mutual-based advantage

You can count on our tradition of financial stability, which is backed by our group ratings. And isn’t it comforting to know we serve the best interests of our policyholders and members, not outside stockholders? Since 1887, we’ve been free to think long-range and invest in sustainable growth to deliver on our promises. Our annual report tells the whole story.

Frequently asked questions

Can I use these products in my client’s financial plan without being appointed with Ameritas?

We have a long history of helping fee-only advisors with insurance for their clients. The policy is considered to be solicited directly from Ameritas Life Insurance Corp. Variable products are underwritten by Ameritas Investment Company, LLC. Check the background of Ameritas Investment Company, LLC on FINRA’s BrokerCheck.

Your state may require you to hold a particular license to charge a fee for insurance advice. If you are a licensed insurance agent and a registered representative, you can become appointed with Ameritas to facilitate the insurance placement. No matter how your practice is structured, we can work with you to fit your needs and those of your client.

Will I have access to my client’s information?

With your client’s authorization, you can receive copies of client statements and access policy information online.

Will Ameritas contact my client?

Ameritas will contact your client at your request or as may be legally required. You keep control of the client relationship. Our goal is to help you grow your practice and enhance your client’s financial plan through the addition of low-expense insurance and annuities. However, you may choose to refer your clients directly to Ameritas, where our salaried professionals are insurance and securities licensed and can help your clients.

Let’s get started.

Give us a call today at 800‑255‑9678 or complete this form.

Ameritas Advisor No-Load VA (form 6150) and Ameritas Advisor ClearEdge VUL (form 4201) are issued by Ameritas Life Insurance Corp. and underwritten by affiliate Ameritas Investment Company, LLC. Variable products are subject to investment risk, including loss of principal. Before investing, carefully consider the investment objectives, risks, charges and expenses and other important information about the policy issuer and underlying investment options. This information can be found in the policy and investment option prospectuses, which are available on this website. Please read the prospectuses carefully before investing or sending money. Products are not available in NY.