Offering Universal Life Insurance
Universal life insurance offers flexible, permanent coverage with the ability to reduce or increase the death benefit* and to pay premiums at any time in any amount within the limits required to keep the policy in force.
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A closer look
Ameritas Value Plus Universal Life Insurance
Good for clients looking for permanent insurance but can’t afford whole life. It works well for clients who are looking for an economical way to leave a legacy or to fund a business continuation plan.
How is it different?
- Competitive premiums.
- 15-year no-lapse guarantee period.
- Care4Life Accelerated Death Benefit rider.
Provides your clients with an acceleration of the death benefit if they face a chronic, critical or terminal illness. The Care4Life rider uses the lien approach, so your clients will know:
- Exactly how much they will get when facing a qualifying event.
- They’re still able to leave something to their beneficiaries because the policy retains a portion of the death benefit.
Learn more about the lien vs the discount approach.
- Supplemental Coverage rider.
Provides additional coverage of up to nine times the base policy coverage at a lower total premium than the base policy alone. The coverage under this rider is included in the policy's total death benefit and in the calculation of the accelerated death benefit.
Related sales ideas
Start with the basics
Read about overcoming client objections to buying life insurance.
Explain the differences between individual and group coverage
Help clients determine if their employer coverage meets all their needs.
Position life as an asset
Learn how life insurance can help round out a client’s portfolio.
Add flexibility to a financial plan with living benefits
Educate your clients about living benefits.
Learn more about sales ideas and order materials on Producer Workbench.
Share information about life insurance
Check out these Ameritas Insights blog articles about life insurance that you can share with your clients. Simply select a share button at the end of the article.
How to Pay for a Serious Illness in Retirement
April 22, 2024
|
10 min read
Understanding Whole Life Insurance with Dividends
January 19, 2024
| 4 min read
How to Read Your Life Insurance Policy
January 11, 2024
| 5 min read
Want to know more?
Sign in to Producer Workbench for more product details and to order materials.
Call the Ameritas sales support team at 800-319-6903 for illustration and product support.
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*Underwriting may be required.
Withdrawals 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.
Care4Life is not a long-term care product.
Guarantees are based upon the claims-paying ability of Ameritas Life Insurance Corp.
Neither Ameritas Life Insurance Corp. nor its representatives provide tax or legal advice. Please consult your attorney or other tax professional for more information.
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.