Offering Term Life Insurance
Term life insurance is an economical way to provide protection for a certain period, along with conversion options if your client’s needs change.
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A closer look at each product
Ameritas Value Plus Term Life Insurance
Good for clients looking for competitive rates with short- and long-term conversion options.
How is it different?
- Competitive rates for 1, 10, 15, 20 or 30 years.
- Renewable to age 95.
- Short- and long-term conversion options.
At an additional cost, the Conversion Extension Rider can extend the conversion period to the end of the level term period or until the policy anniversary nearest the insured’s 70th birthday, whichever comes first.
Ameritas FLX Living Benefits Term Life Insurance
Good for clients looking for term insurance with the added feature of a living benefit.
How is it different?
- Competitive rates for 10, 15, 20, 25 or 30 years.
- Accelerated Death Benefit rider.
Accelerate up to 90% of the policy’s death benefit up to $1.5 million if diagnosed with:
Terminal Illness
Life expectancy is 12 months or less.
Chronic Illness
Severe cognitive impairment or inability to perform two of six activities of daily living for at least 90 days.
Critical Illness
15 qualifying conditions.
Ameritas Instant Term Life Insurance
Good for clients looking for term life insurance that don’t have the time or desire to deal with the hassle of exams and labs.
How is it different?
- Competitive rates for 10, 15, 20, 25 or 30 years.
- Renewable to age 95.
- No need for lab work, exams or medical records.
- For those who qualify, 80% typically receive an instant decision.
- Conversion options.
Years 3-5 for all terms
Convertible to any Ameritas individual permanent life insurance product available at the time of conversion.
Years 6-8 for 10-year term and years 6-10 for all other terms
Convertible to a conversion only product.
Focus 10 Life®
Good for employers looking for group coverage for as few as 10 employees, either for fringe benefits, buy-sell funding or key person coverage.
How is it different?
- Fully portable.
- Simplified issue.
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.
Add flexibility to a financial strategy 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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Call the Ameritas sales support team at 800‑319‑6903 for illustration and product support.
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1 Guarantees are based upon the claims-paying ability of Ameritas Life Insurance Corp.
Care4Life is not a long-term care product.
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. Ameritas FLX Living Benefits Term (form 3019) and its Accelerated Death Benefit Rider (form ICC16 CCTIABR) are issued by Ameritas Life Insurance Corp. Ameritas Instant Term life insurance (form 3026 and form ICC20 3026 1-2) is issued by Ameritas Life Insurance Corp. The product is not available in New York. FOCUS 10 Life® (form 3021) is issued by Ameritas Life Insurance Corp. in approved states. FOCUS 10 Life® (form 5021) is issued by Ameritas Life Insurance Corp. of New York. Policies and riders may vary and may not be available in all states.
In New York, Focus 10 Life, Inc. is an independent third-party administrator and is not affiliated with Ameritas Life Insurance Corp. or Ameritas Life Insurance Corp. of New York.
FOCUS 10 Life® is a registered service mark of Focus 10 Life, Inc. and has been licensed for use by Ameritas Life Insurance Corp. and Ameritas Life Insurance Corp. of New York.