Offering Whole Life Insurance
Whole life insurance can provide the resources your clients will need to handle the financial challenges a death would bring. Whole life offers a guaranteed level premium, a guaranteed death benefit and guaranteed cash value growth to further enhance this protection.1
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Whole life insurance policies from Ameritas offer:
Provides 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.
Learn more about the lien vs the discount approach.
Ameritas has paid dividends consistently even during periods of declining interest rates. See the dividend interest rate factors for our whole life products since they were introduced.
Provides more flexibility, allowing your client to purchase additional paid-up insurance, which helps grow cash value more rapidly.
Provides insurance coverage for 10, 15, 20, or 30 years at term insurance rates, which are lower than whole life base coverage.
A fixed loan and a variable loan option with non-direct loan recognition are available. Two loan options provide the ability to move from variable or fixed loans as interest rates change.
When clients pay for two qualifying policies from the same account, this discount allows for the policy fees to be cut in half.
A closer look at each product
Ameritas Access Whole Life
Good for clients looking for strong guaranteed cash values early in the policy.
How is it different?
- Shorter time frames for a paid-up policy.
- Simplified issue option.
Ameritas Growth Whole Life
Good for clients looking for long term cash value over a long period such as 20-30 years.
How is it different?
- 10-pay option available.
Ameritas Value Plus Whole Life
Good for clients looking for a low cost guaranteed death benefit and guaranteed cash values.
How is it different?
- Lowest premium for dollar of death benefit compared to our other whole life products.
- Low-band option for face amounts from $10,000-$24,999.
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
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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.
Sound like what you’ve been looking for?
Connect with us. We’ll have someone get back to you with more information on the products you’re interested in and how you can start selling our products.
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Sign in to Producer Workbench for more product details and to order materials.
1 Guarantees are based upon the claims-paying ability of Ameritas Life Insurance Corp.
2 The Care4Life rider is not a long-term care product.
In approved states, Ameritas Access Whole Life (form 3018 with 3018 P75 SCH), Ameritas Growth Whole Life (form 3018) and Ameritas Value Plus Whole Life (form 3017) are issued by Ameritas Life Insurance Corp. In New York, Ameritas Access Whole Life (form 5018 with 5018 P75 SCH) Ameritas Growth Whole Life (form 5018) and Ameritas Value Plus Whole Life (form 5017) are issued by Ameritas Life Insurance Corp. of New York. Policy and riders may vary and may not be available in all states.