Ethos partnership with instant underwriting

Ameritas Life

Financial Strength A
IUL Experience 3 years
Policy Portfolio 4 products

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Founded

1887

Assets

$20 billion

AM Best

Participating

115%

Financial Strength Ratings

AM Best A

S&P A+

Moody's Not disclosed

Product Benchmarks

Typical Cap Range

Min: 8% | Max: 11% | Current average: 9.5%

Participation Rates

Min: 100% | Max: 130% | Current average: 115%

Typical Fees

Coi range: Moderate | Admin fee: Standard | Premium load: Standard

About Ameritas Life

Offers 4+ IUL products

Growth IUL, FLX IUL, Ethos IUL (partnership)

Instant underwriting (launched Sept 2023 with Ethos)

Company Profile

Headquarters

Lincoln, Nebraska

Founded

1887

Years in IUL

3 years

Assets Under Management

$20 billion

Minimum Premium

$3,600 annual

Issue Ages

0-85 years

Underwriting Speed

Instant to 3 weeks

Website

www.ameritas.com

Financial Ratings

AM Best A

S&P A+

Moody's Not disclosed

These ratings indicate excellent financial strength and claims-paying ability.

IUL Policies from Ameritas Life

Explore comprehensive Indexed Universal Life insurance solutions

How to Compare: Check the boxes on any 2 policies below, then click "Compare Now" in the green bar that appears.

IUL Policy

Growth IUL

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Varies: 8% to 11%

Floor Protection 0%%

Participation Varies: 100% to 130%

Minimum Premium $3,600 annual

Issue Ages 0-85

A+ rating
Traditional carrier
Index options: S&P 500, Multiple strategies

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IUL Policy

FLX IUL

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Varies: 8% to 11%

Floor Protection 0%%

Minimum Premium $3,600 annual

Issue Ages 0-85

Flexible design
Index options: S&P 500, Multiple options

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IUL Policy

Ethos IUL

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Varies: 8% to 10%

Floor Protection 0%%

Minimum Premium $3,600 annual

Issue Ages 20-65

Partnership with Ethos (launched Sept 2023)
90%+ instant decisions
Entirely digital platform
Index options: S&P 500

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Personalized Planning

Map Out Your Ameritas Life Strategy

Partner with fiduciary-aligned specialists to benchmark Ameritas Life against other carriers and design an IUL strategy around your goals.

Carrier benchmarking with transparent fee and rider analysis
Custom illustrations tailored to your cash-flow and retirement timeline
Step-by-step implementation with ongoing performance reviews

Speak with an Advisor Compare All Carriers Request Custom Illustration

Response within one business day

Frequently Asked Questions

Ameritas Life currently offers 4 IUL solutions that balance growth potential with downside protection. Our specialists will help you match product features to your retirement or legacy goals.

Ameritas Life maintains strong independent ratings including AM Best A, demonstrating resilient balance sheet strength and consistent claims-paying ability.

Ethos partnership with instant underwriting