Competitive Universal Life Insurance for Budget-Conscious Clients
Affordable permanent life insurance with flexibility for changing needs
For clients who want lifetime protection but are sensitive to cost, universal life insurance can be an option worth exploring. It can help address a client’s need for permanent life insurance protection while providing greater flexibility than some other forms of permanent coverage.
When you’re deciding where to place 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 universal life business.
Learn more about what it’s like working with Ameritas.
Strategies aligned to real client situations
Universal life insurance works best when it aligns with a client’s long-term protection needs and financial priorities. The goal is to provide permanent coverage while maintaining flexibility as needs and circumstances change.
Clients who want affordable permanent protection
Designed for clients who need lifelong coverage and may be looking for a lower premium than some other types of permanent life insurance.
Value Plus Universal Life Insurance
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Policy features that shape the conversation
The way a universal life insurance policy is designed can influence how it aligns with a client’s goals, priorities and long-term financial plans.
Early Cash Value rider
For clients interested in building policy value sooner, this rider can provide higher cash value than otherwise would be available in the early policy years.
Supplemental Coverage rider
Provides additional coverage at a lower total premium than purchasing the same amount entirely through the base policy. This may help clients obtain higher death benefit protection while managing costs.
Care4Life Accelerated Death Benefit rider1
Provides access to a portion of the death benefit if a qualifying chronic, critical or terminal illness occurs, helping clients address unexpected financial needs.
Learn more about living benefits.
Lifetime Income rider
Can help support retirement income planning by providing a guaranteed2 source of income based on rider provisions.
How universal life insurance can fit client needs
Universal life insurance can support affordable financial strategies beyond death benefit protection.
- Affordable Death Benefit Protection
- Cash Value Accumulation Potential
- Legacy and Estate Planning
- Business Planning
Help provide financial support for loved ones
Universal life insurance can provide lifelong death benefit protection while offering lower-cost permanent coverage than whole life or indexed universal life. It can help clients protect loved ones while balancing other financial priorities.
Build policy value over time
As cash value accumulates, clients may access it through policy loans or withdrawals to help supplement retirement income, address unexpected expenses or support other long-term financial goals.3
Support wealth transfer goals
Universal life insurance can help clients leave a financial legacy for beneficiaries while providing permanent life insurance protection. The death benefit can play a role in broader estate and wealth transfer strategies.
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Address business continuity needs
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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Does this sound like what you’re looking for?
Contact us to learn how universal life insurance can fit into your client conversations. We can help you take the next step.
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1Care4Life is not a long-term care product.
2Guarantees are based upon the claims-paying ability of Ameritas Life Insurance Corp.
3Withdrawals 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. If a policy lapses, unpaid loans are treated as distributions for tax purposes.
In approved states, Ameritas Value Plus Universal Life (form 3023) is issued by Ameritas Life Insurance Corp. In New York, Ameritas Value Plus Universal Life (form 5023) is issued by Ameritas Life Insurance Corp. of New York. Policy and riders may vary and may not be available in all states. Optional features and riders may have limitations, restrictions and additional charges.
Representatives of Ameritas do not provide tax or legal advice. Please refer clients to their tax advisor or attorney regarding their specific situation.