Term Life Insurance
Affordable and flexible protection
Term life insurance is an economical way to provide protection for those you care about the most. You choose how much protection you want to provide and how long you want it to last.
What is term life insurance?
Choosing the amount of life insurance and how long you need the coverage is key with term life. Depending on your circumstances, you can choose coverage to last for 1, 10, 15, 20 or 30 years. Your premiums stay the same for the term you choose. If you die during the term and you’ve made all your premium payments, the policy will pay money, called a death benefit, to the beneficiary of your policy.
How much does term life insurance cost?Your age and health are the biggest factors in determining the cost of a term insurance policy. Many people put off buying life insurance because they think it costs too much, but they tend to significantly overestimate the price. In fact, more than half of Americans think life insurance costs three times or more than it does.1 With just a few details, you can get a quote and see for yourself exactly how affordable term life insurance is.
What are the benefits of term life insurance?
Term life insurance is one of the most affordable ways you can help financially safeguard your loved ones. It’s an excellent choice for families during their critical growing years when incomes may be lower, and needs can be higher.
Our term life products
Ameritas Value Plus Term LifeThis life insurance policy features affordable premiums for the length of time you choose. As long as you pay your premiums, your beneficiaries will receive the amount of coverage you select if you die during the term.
Ameritas FLX Living Benefits Term LifeThis policy provides a level premium for the length of time you choose. It also offers the added feature of a living benefit, which can provide money you may need while you are living if you face a serious illness.
Ameritas Instant Term LifeWith this term life insurance, you get the protection you need in minutes instead of weeks. There’s no need for lab work, exams or medical records.
Ameritas term life policies are designed with you in mind. With a variety of coverage options, you can get life insurance to fit your needs. Other features, some available for an additional fee, include:
- The choice to provide your loved ones with an additional amount if your death is an accident.
- The option to waive your premium payments if you become disabled.
- The flexibility to convert your policy to a permanent policy.
Count on term life insurance for temporary protection that can be more affordable than permanent coverage.
1 2021 Insurance Barometer Study, Life Happens and LIMRA