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Life Insurance

Life insurance not only protects loved ones again the uncertainties of life, it can be the foundation of a sound financial plan. Combined with annuities, investments, retirement and estate plan, life insurance provides you with a financial foundation for your family and business.

Universal Life Insurance
Universal life insurance (UL) allows you to make an initial payment on the policy with the flexibility to make subsequent payments nearly any time and in any amount. A UL policy will stay in force as long as there is enough cash value to cover the premiums.

Highlights:

Permanent life insurance coverage
Flexible premiums
Adjustable death benefits
Tax-deferred cash value accumulation
Competitive interest rate

Variable Universal Life
Whether your goal is life insurance protection, asset accumulation or the efficient access and transfer of cash, variable universal life insurance (VUL) can help you reach your financial goals. As with any variable universal life insurance policy, a portion of your premium goes to provide life insurance protection and a portion can be directed into various investment options. Variable universal life insurance is a valuable financial tool that can help you reach your investment goals and meet your insurance needs.

Term Life Insurance
Consider term life insurance if you need coverage for a limited period of time—10 or 20 years. A death benefit is paid only if you die during the specified term of the policy. No cash values accumulate, making term costs less than permanent insurance coverage.

Whole Life
Whole life insurance offers you a guaranteed fixed premium for the duration of the policy, a guaranteed death benefit and offers:

Cash values that can be designed to meet specific needs
An ideal vehicle for estate and business insurance planning
Flexibility when used with buy/sell agreements, key employee plans, executive bonus and split dollar plans
A variety of dividend options

Guarantees based on the claims paying ability of the issuing insurance company.

Survivorship Life
Survivorship life (also referred to as Second-To-Die Life) is a form of life insurance which insures two people and pays benefits after the second person dies. It’s generally designed to provide funds to pay estate taxes.

An investor should consider the investment objectives, risks, and charges and expenses of an investment carefully before investing. The prospectus contains this and other information about the investment. Please call Ameritas Investment Corp. at 1-800-335-9858 to obtain a prospectus. The prospectus should be read carefully before investing or sending money. Life insurance products offered through Ameritas Life Insurance Corp. and Ameritas Life Insurance Corp. of New York. Variable products are issued by Ameritas Life Insurance Corp. and are underwritten by affiliate Ameritas Investment Corp., member FINRA/SIPC. They are subject to investment risk, including possible loss of principal. Before investing, carefully consider the investment objectives, risks, charges and expenses, and other important information about the policy issuer and underlying investment options. This information can be found in the policy and investment option prospectuses. You can obtain copies from our websites, your representative or us. Read the prospectuses carefully before investing.

Related Information

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Ameritas Life Insurance Corp. of New York

Product Performance
Life Insurance

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