Ameritas Life vs Royal Neighbors of America
Comprehensive side-by-side comparison of indexed universal life insurance companies
Ameritas Life
Founded: 1887
Lincoln, Nebraska
Assets
$20 billion
IUL Experience
3+ years
Products
4
Avg Cap Rate
9.5%
Key Strengths
Offers 4+ IUL products
Growth IUL, FLX IUL, Ethos IUL (partnership)
Instant underwriting (launched Sept 2023 with Ethos)
Royal Neighbors of America
Founded: 1895
Rock Island, Illinois
Assets
$1 billion
IUL Experience
0+ years
Products
0
Avg Cap Rate
N/A
Key Strengths
Does NOT offer IUL
Fraternal benefit society with term/whole/UL but no IUL found
Detailed Feature Comparison
| Feature | Ameritas Life | Royal Neighbors of America |
|---|---|---|
| Founded | 1887 | 1895 |
| Headquarters | Lincoln, Nebraska | Rock Island, Illinois |
| Assets Under Management | $20 billion | $1 billion |
| Years in IUL Business | 3+ years | 0+ years |
| Number of IUL Products | 4 | 0 |
| Typical Cap Rate Range | 8% - 11% | N/A - N/A |
| Participation Rates | 115% | N/A |
| Minimum Premium | $3,600 annual | N/A |
| Issue Ages | 0-85 years | N/A |
| Underwriting Speed | Instant to 3 weeks | N/A |