Competitive Term Life Insurance for Your Clients
Affordable protection for when it’s needed most
Some clients often need life insurance coverage for a set period, not a lifetime. This may be during their working years, while paying off a mortgage or while building toward a longer-term plan.
Competitive term life insurance helps you meet those needs with lower-cost protection tied to a clear time frame. It can also be a starting point for clients who may consider permanent coverage later.
Ameritas helps you meet those needs with straightforward options and support that keep conversations moving.
Learn more about what it’s like working with Ameritas.
Strategies aligned to real client situations
Term life insurance works best when it matches a clear need and a defined time frame. The goal is to align coverage to what the client needs now while leaving room for future decisions.
Clients who want protection for a specific period with flexibility for the future
Many clients need coverage tied to a mortgage, income replacement or a temporary gap. They may also want the option to move to permanent coverage later.
Clients who want a faster, simpler process
Some clients want coverage quickly or prefer to avoid exams and lab work. This situation comes up in both personal and business situations, such as covering a loan or meeting a short-term need.
Clients who want protection against unexpected health events
Some clients want coverage that can do more if their health changes. A death benefit acceleration rider can help address concerns beyond the death benefit.
Employers who want coverage for a small group
Some employers want to offer life insurance as a benefit, or need coverage for business planning, such as buy-sell funding or key-person protection.
Policy features that shape the conversation
These features help connect coverage to real needs and next steps.
Conversion to permanent coverage
Clients can start with a term policy for affordability today. They can later move to permanent coverage if their needs change.
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Same payor discount
When two or more policies are paid from the same account, this discount can lower policy fees and make it easier to place coverage for couples or businesses.
Level premiums
Level premiums help clients plan ahead and avoid changes during important stages of life.
Renewability
Coverage can continue on an annual renewable term basis without new underwriting, providing flexibility if plans change.
How term life insurance can fit client needs
Term life insurance can help address a wide range of planning goals, from helping protect loved ones through a death benefit to covering short-term obligations.
- Death Benefit
- Coverage for a Specific Period
- Affordable Coverage
- Temporary Financial Obligations
Help safeguard what matters most
Term life insurance can help replace lost income and provide financial support for loved ones if the unexpected occurs during the coverage period.
Match coverage to a defined need
Term life insurance provides protection for a set period, making it a practical option when coverage is needed for a specific stage of life or financial obligation.
Help clients secure meaningful protection
Term life insurance can provide a higher death benefit at a lower initial cost, helping clients protect their families and financial goals within their budget.
Adapt coverage as needs change
A range of term lengths and coverage amounts can help align protection with changing personal, family and business needs. Eligible policies may also offer conversion options, allowing clients to transition to permanent coverage if their goals evolve over time.
Cover key responsibilities during important years
Term life insurance can help clients address obligations such as a mortgage, education expenses, business loans or other temporary financial commitments.
Does this sound like what you need?
Contact us to learn how term life can fit into your client conversations. We can help you take the next step.
Already appointed?
Ameritas Value Plus Term (form 3021), Ameritas ClearEdge Living Benefits Term (form ICC24 3035 2-24 and ICC24 3035 SCH 2-24 or form 3035 2-24 and 3035 SCH 2-24) and Ameritas Instant Term (form 3026 and form ICC20 3026 1-2) are issued by Ameritas Life Insurance Corp. In New York, Ameritas Value Plus Term (form 5021) is issued by Ameritas Life Insurance Corp. of New York.
Focus 10 Life® (form ICC17 3021 SCH 07-17) is issued by Ameritas Life Insurance Corp. in approved states. In New York, Focus 10 Life® (form 5021) is issued by Ameritas Life Insurance Corp. of New York. Policy and riders may vary and may not be available in all states.
Focus 10 Life® is a registered service mark of Executive Life Solutions, Inc. and has been licensed for use by Ameritas Life Insurance Corp. and Ameritas Life Insurance Corp. of New York. Executive Life Solutions, Inc. is an independent third-party administrator and is not affiliated with Ameritas Life Insurance Corp. or Ameritas Life Insurance Corp. of New York.