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.
Lower Cost, Level Premiums
Generally, term insurance provides a higher benefit at a lower cost than permanent life insurance because protection is provided for a limited period and the policy does not grow in value. It is a cost-effective way to cover a shorter-term need. You can get an idea of the cost of a policy by using our quick and easy premium calculator.
Your premiums remain level for the term you select and your death benefit is guaranteed never to decrease as long as you pay the required premiums. Guarantees are backed by the claims-paying ability of Ameritas.
Flexibility to Change
Over time your needs and circumstances may change and then you can convert your term insurance to a permanent life insurance policy—in many cases, without a medical exam. If you decide permanent protection is right for you, ask your representative about conversion credits that you may be able to put toward a new policy.
If your needs extend beyond basic death benefit protection, additional riders are available to provide extra benefits.
Term life insurance may be a good fit for you if your need for insurance is temporary, you want the most death benefit possible for the least amount of money and you’re not concerned about building cash value in your life insurance. Learn more by reviewing the product materials and contact a financial professional.
In approved states, Ameritas Value Plus Term (form 3021) is issued by Ameritas Life Insurance Corp. In New York, Ameritas Value Plus Term (form 5021) is issued by Ameritas Life Insurance Corp. of New York. Policy and riders may vary and may not be available in all states.