Life Insurance • Ameritas Life Quotes • 2026
Protect your family—and keep flexibility for the future. An Ameritas Life insurance quote lets you price level term for maximum death benefit per dollar and permanent life (whole life, UL/IUL) for lifetime protection with potential cash value. As an independent agency, we compare Ameritas with other A-rated carriers on identical specs—face amount, guarantee period, riders, underwriting class— so you can see a clean, apples-to-apples value before you buy.
Term life provides a level death benefit for a selected period (often 10–30 years). It is the lowest-cost way to protect income during child-raising years, retire debt, or meet business requirements. High-quality contracts include a conversion window, letting you switch to eligible permanent coverage without another medical exam—valuable if health changes later.
Permanent policies are designed to last your lifetime (subject to adequate funding). Whole life focuses on guarantees and steady values; UL/IUL offers flexibility and the potential for index-linked interest (subject to caps/participation and policy expenses). Common uses include legacy planning, key person or buy-sell funding, and potential supplemental access to values via loans/withdrawals per contract terms.
Many households combine a permanent base policy with layered term riders for peak needs like mortgage and tuition. Add living benefits (accelerated death benefit for chronic/critical illness) and waiver of premium to help keep coverage if disability strikes.
We help you set primary/contingent beneficiaries, review policy ownership (individual, trust, or business), and coordinate with legal and tax advisors so proceeds align with your estate and business plans.
Features, conversion windows, and charges vary by policy form and state. Always review carrier illustrations and disclosures before applying.
| Category | Term Life | Indexed Universal Life (IUL) |
|---|---|---|
| Primary goal | High death benefit for a set period | Lifelong coverage with cash-value potential |
| Premiums | Generally lowest for coverage amount | Flexible; typically higher than term |
| Cash value | None | Yes, via index strategies with caps/participation |
| Conversion | Often available during a stated window | Not applicable (already permanent) |
| Best for | Income replacement, debt payoff, buy-sell terms | Estate needs, lifelong protection, flexible planning |
Compare apples-to-apples: same face amount, guarantee period/term length, riders, underwriting class, and payment mode across carriers.
| Factor | How it moves your rate | Pro tip |
|---|---|---|
| Age & health class | Younger ages and preferred classes cost less | Quote now—locking in today’s age can preserve lifetime savings |
| Tobacco & build | Tobacco use and higher BMI increase premiums | Ask about non-tobacco rules and potential future re-underwriting options |
| Face amount & guarantees | Higher coverage and longer guarantees raise cost | Layer term riders to cover peak needs affordably |
| Riders & living benefits | Valuable but add to premium | Keep riders that map to real risks (disability, chronic illness, income replacement) |
| Payment mode | Annual often least expensive; monthly EFT may include a modal load | Compare annual vs. monthly; weigh convenience against total lifetime cost |
We serve clients nationwide. People often choose Ameritas life insurance for:
Share your target face amount, term length or permanent goal, preferred riders (living benefits, waiver, children’s term), and payment mode. We will compare Ameritas and top competitors on identical assumptions so you can choose with clarity.
Many Ameritas term contracts include a conversion privilege for a defined window, allowing partial or full conversion to eligible permanent policies without new medical underwriting. We will confirm timing, eligible product options, and how conversion works for your specific policy.
Depending on age, face amount, and health disclosures, some applicants can qualify for accelerated underwriting with reduced or no paramedical exams. If an exam is required, we coordinate convenient paramed services around your schedule.
A common baseline is 10–15× annual income plus debts and education goals, minus existing assets and coverage. We will run a personalized needs analysis to calibrate the amount and show how different face amounts impact your premium.
Living benefits (accelerated death benefit for chronic/critical illness) and waiver of premium can add valuable protection if you face serious health events or disability. We compare rider triggers, definitions, and costs across carriers so you only pay for features you are likely to value.
Licensed insurance producer (NPR/NPN 16944666). Blake Insurance Group is an independent agency. Product features, riders, underwriting, illustrations, and availability vary by state and policy form. Policy loans and withdrawals reduce cash value and death benefit; tax outcomes depend on your situation—consult your tax advisor. Always review official policy illustrations and forms for exact terms and costs.
