Competitive Whole Life Insurance for Your Clients
Built around real client needs
Whole life insurance helps clients protect their loved ones from premature death while building guaranteed cash value over time. That mix of death benefit protection and guarantees makes whole life insurance useful in many financial plans.
When deciding where to place business, you need products that work across a wide range of cases. You also need flexible design, clear case support and service after the policy is issued. Ameritas brings it all together with competitive whole life insurance to help you grow your business.
Learn more about what it’s like working with Ameritas.
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Strategies aligned to real client situations
Different whole life designs can support different needs. The goal is to match the right product to your client’s protection needs, timing and long-term plans.
Clients focused on guaranteed protection with lower premiums
Permanent coverage with guaranteed values. Designed to keep costs lower while maintaining long-term protection.
Clients who want strong early cash value
Builds guaranteed cash value earlier in the policy to add flexibility.
Clients focused on long-term value growth
Designed for cash value growth over time as part of longer-term planning.
Policy design and features that shape the conversation
How a whole life policy is built shapes the client conversation. These features help you connect policy design to planning needs.
Flexible Paid-Up rider
Lets clients buy more paid-up insurance. This can help the cash value grow faster. It also gives you another way to adjust funding as client needs change.
Flexible loan options
Fixed and variable loan options with non-direct loan recognition provide flexibility as client needs and interest rates change.
Care4Life Accelerated Death Benefit rider
Provides access to part of the death benefit if a client has a qualifying chronic, critical or terminal illness.
Care4Life uses the lien approach. This allows you to show what your client may receive and how part of the death benefit may remain for beneficiaries.
Learn more about living benefits.
Dividend participation
Although dividends are not guaranteed and past performance is no guarantee of future results, Ameritas has paid dividends consistently, even during periods of declining long-term interest rates. When paid, they can be used to buy more coverage, build policy value, reduce premiums and loans, or taken as cash.
How whole life insurance can fit client needs
Whole life insurance can support financial strategies that extend beyond death benefit protection. With guaranteed1 premiums, a guaranteed death benefit and guaranteed cash value, clients can have certainty about what to expect as they plan for the future.
- Guaranteed Lifetime Coverage
- Guaranteed Cash Value
- Legacy and Estate Planning
- Business Planning
Help protect loved ones at every stage of life
Whole life insurance provides permanent coverage backed by a guaranteed death benefit. It can help provide financial support for loved ones if a premature death occurs, while remaining in place as needs evolve over time.
Support long-term planning goals
Whole life insurance builds guaranteed cash value that can provide additional financial flexibility over time. Clients may use that value to help fund education expenses, supplement retirement income or address other planning needs as they arise.2
Support future generations
Whole life insurance can help clients transfer wealth, provide liquidity for heirs and support broader estate planning objectives.
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Address business needs
Whole 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 whole life can fit into your client conversations. We can also help you explore next steps for your business.
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1Guarantees are based on the claims-paying ability of the issuing company.
2Loans 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.
3The 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.