Competitive Indexed Universal Life Insurance for Clients’ Changing Needs
Built for flexibility and long-term planning
Indexed universal life insurance offers the flexibility to address a range of client goals and planning needs. It combines permanent death benefit protection with cash value growth potential linked in part to the performance of one or more market indexes, while helping protect against market declines through a policy floor.
When you’re deciding where to place your business, you need products that can adapt to different client goals, along with support that helps you move from case design through ongoing service.
Ameritas brings those elements together to help you grow your indexed universal life business.
Learn more about what it’s like working with Ameritas.
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Strategies aligned to real client situations
Different IUL designs support different priorities. The goal is to match the right approach to protection and flexibility needs and long-term objectives.
These scenarios reflect how indexed universal life is often applied in real client situations.
Clients seeking growth potential
Designed for clients interested in cash value accumulation.
Ameritas Growth II Index Universal Life
Ameritas Growth Index Universal Life
Please note: This product is only available in New York.
Clients looking for affordable permanent coverage
Permanent protection with access to cash value growth potential, designed for clients focused on affordability.
Clients looking for flexible survivorship coverage
Designed for clients who want death benefit protection on two insureds at a lower cost than individual coverage.
Ameritas Value Plus Survivor Index Universal Life
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What is the Role of SIUL in Estate Planning?Policy features that shape the conversation
The way an indexed universal life policy is designed can influence how it fits into a client’s plan. These features often shape how indexed universal life is used and discussed in real client situations.
Index and crediting options
Provide multiple ways to approach cash value growth potential. This gives you flexibility when discussing different risk preferences and planning goals.
Care4Life Accelerated Death Benefit rider
Provides access to part of the death benefit for qualifying chronic, critical or terminal illness events. The lien approach helps illustrate what clients may receive while preserving part of the death benefit for beneficiaries.
Learn more about living benefits.
Lifetime Income rider
Can help support conversations around accessing policy value in retirement through guaranteed1 lifetime income.
Overloan Protection rider
Can help address concerns around policy lapse risk when significant policy loans are outstanding.
How indexed life insurance can fit client needs
Indexed universal life insurance can support financial strategies that extend beyond income protection. With the potential to build cash value tied in part to the performance of a market index, it can help clients accumulate policy value to address future planning needs.
- Permanent Protection
- Cash Value Growth Potential
- Legacy and Estate Planning
- Business Planning
Help protect loved ones at every stage of life
Indexed universal life insurance provides lifelong coverage when policy requirements are met. The death benefit can help provide financial support for loved ones if a premature death occurs.
Pursue growth while helping protect against market downturns
Cash value growth is linked, in part, to selected market indexes and protected by policy floors against negative performance. Over time, accumulated cash value may help support retirement income, education expenses or other financial needs.*
Support wealth transfer goals
Indexed universal life insurance can help clients create a financial legacy for beneficiaries while providing opportunities to build policy value over time. The death benefit can play a role in broader estate and wealth transfer strategies.
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10 Uses of Life Insurance in Estate Planning
Address business needs
Indexed universal life insurance can support a variety of business planning strategies, including buy-sell arrangements, key person protection and succession planning objectives. It may also be used in certain executive benefit strategies.
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5 Questions to Answer About Insurance for Business Owners
Does this sound like what you need?
Contact us to learn how index universal life insurance can fit into your client conversations. We can also help you explore next steps for your business.
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*Loans and withdrawals will reduce the policy’s death benefit and available cash value. Excessive loans or withdrawals may cause the policy to lapse. Unpaid loans are treated as a distribution for tax purposes and may result in taxable income.
1Guarantees are based upon the claims-paying ability of Ameritas Life Insurance Corp.
In New York, Ameritas Growth Index Universal Life (5022) is issued by Ameritas Life Insurance Corp. of New York. Policy and riders may vary and may not be available in all states.
In approved states, Ameritas Growth Index Universal Life II (form 3031) is issued by Ameritas Life Insurance Corp. Product is not available in New York. Policy and riders may vary and may not be available in all states.
In approved states, Ameritas Value Plus Index Universal Life (form 3024) is issued by Ameritas Life Insurance Corp. In New York, Ameritas Value Plus Index Universal Life (form 5024) is issued by Ameritas Life Insurance Corp. of New York. Policy and riders may vary and may not be available in all states.
In approved states, Ameritas Value Plus Survivor Index Universal Life (form 3027) is issued by Ameritas Life Insurance Corp. Product is not available in New York. Policy and riders may vary and may not be available in all states.
The index options are not securities; your clients are not investing in stocks or an index itself. Therefore, credited interest rates do not include dividends paid by companies in the indexes.
Neither Ameritas Life Insurance Corp. nor its representatives provide tax or legal advice. Please consult your attorney or other tax professional for more information.