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As one of the oldest and best-established insurance providers in the US, Ameritas has the size and stability to offer a large suite of life insurance products to a potential policyholder.
Get a quote if…
Choose a different provider if…
18 to 80
Issue Age
$100,000 to $20,000,000
Coverage
Depends on policy
Medical Exam Required
Policies | Term, Whole, Universal, Variable universal, Index univeral |
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Coverage maximum | $20,000,000 |
Term lengths | 1, 10, 15, 20 or 30 years |
Medical exam required | Depends on policy |
Available states | Available in all 50 states |
Issue age | Not listed |
Riders |
Accidental death benefit rider Automatic benefit increase rider Child rider Conversion rider Critical illness benefit rider Guaranteed insurability rider Level term rider Return-of-cash-value rider Spouse rider Term insurance rider Waiver-of-premium rider |
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From term to universal, Ameritas has a number of life insurance policy options to choose from:
Read our review on Ameritas disability insurance
Policy riders are add-ons designed for specific life circumstances. While each rider comes with a cost, each allows you to customize your coverage and provides an added cushion of protection to your policy:
How much you’ll be expected to pay for a life insurance policy with Ameritas will vary by your location, age, gender, overall health, coverage amount and policy selected.
You can obtain a free quote on the Ameritas website by entering your birthdate, state of residence, gender and coverage amount.
Ameritas offers four tiers of rates: Standard, Select, Preferred and Preferred Plus.
Tobacco users can be assigned a Standard or Preferred rate based on their ability to meet additional rate tier qualifications. That said, both Standard and Preferred rates for tobacco users are higher than the Standard and Preferred rates offered to non-smokers.
Health and lifestyle factors that may diminish your rate tier include:
If you’re looking for more options to compare, take a look at these other providers.
Ameritas receives an A (Excellent) rating from AM Best and an A+ (Strong) from Standard & Poor’s. It’s been an accredited business with the Better Business Bureau since 1948 and receives an A+ BBB rating.
Complaints against this insurance provider are few and far between, which speaks to a high level of customer satisfaction. That said, several complaints cite a frustrating claims process with Ameritas and high transaction fees.
On its website, Ameritas states that it doesn’t sell customer information for marketing purposes. Ameritas also states that it holds all of its third-party service providers to the same privacy and security standards. Any medical information is shared strictly for underwriting purposes.
Once you submit your information on the Ameritas website, you’ll be matched with a local Ameritas insurance agent. This process typically takes between one to two weeks.
After being matched with an agent, you’ll be able to submit an application for life insurance. Turnaround time varies from policy to policy, but you can expect to have coverage within one month of submitting your application.
Ameritas was founded in 1887 in Lincoln, Nebraska. Over the next hundred years, it grew from a small Midwest provider to one of the largest insurance companies in the US.
Ameritas is still headquartered in Lincoln, Nebraska, and offers life insurance products alongside disability income and retirement, dental, vision and hearing plans.
While some customers find the claims process to be a bear, Ameritas is well-rated overall. Though it has extensive offerings, you may still want to compare other life insurance providers before submitting your application.
AM Best financial rating |
Not Rated |
BBB accredited | Yes |
BBB rating | A- 4.64/5 out of 135 customer reviews |
Trustpilot score | 4.8/5 out of 1880 customer reviews |
Customer reviews verified as of | 22 January 2021 |