Ameritas Life Insurance Corp: A Comprehensive Guide to Protecting Your Future

Are you looking for a reliable and trustworthy life insurance provider? If yes, then you have come to the right place. In this article, we will discuss Ameritas Life Insurance Corp, one of the leading life insurance providers in the United States. We will explore its history, products, and benefits, as well as give you an overview of its ratings and customer reviews. So, let’s dive in!

History of Ameritas Life Insurance Corp

Ameritas Life Insurance Corp was founded in 1887 and has since grown to become a major player in the insurance industry. The company is headquartered in Lincoln, Nebraska, and has over 2,400 employees across the United States. It provides a range of insurance products, including life, dental, vision, and disability insurance, to individuals and businesses.

Ameritas Life Insurance Corp has a strong financial footing, with over $41 billion in assets under management. It has an A.M. Best rating of A (Excellent), which indicates its strong financial stability and ability to meet its policyholder obligations. The company’s long history of stability and reliability makes it a trusted choice for many Americans seeking to secure their financial future.

Ameritas Life Insurance Corp Products and Benefits

Life Insurance

Ameritas Life Insurance Corp offers a range of life insurance products that cater to different needs and budgets. These include:

One of the key benefits of Ameritas Life Insurance Corp’s life insurance products is the ability to customize coverage to meet the needs of each individual policyholder. Policyholders can choose the coverage amount, term length, and payment frequency that works best for them. They can also add riders, such as accidental death coverage, to enhance their protection.

Another benefit of Ameritas Life Insurance Corp’s life insurance products is the option to convert term life policies to permanent policies without a medical exam. This can be a valuable feature for those who want to secure lifelong coverage but are concerned about their health.

Dental and Vision Insurance

In addition to life insurance, Ameritas Life Insurance Corp also offers dental and vision insurance to individuals and businesses. Its dental insurance plans offer comprehensive coverage for preventive, basic, and major dental services, including orthodontic treatment. Its vision insurance plans cover eye exams, glasses, and contact lenses, as well as discounts on LASIK surgery.

One of the key benefits of Ameritas Life Insurance Corp’s dental and vision insurance products is the large nationwide network of providers. Policyholders can choose from a network of over 428,000 dental providers and 49,000 vision providers across the United States.

Disability Insurance

Ameritas Life Insurance Corp also offers disability insurance to individuals and businesses. Its disability insurance policies provide protection against the financial impact of a disability or illness that prevents an individual from working. Policyholders can choose from short-term or long-term disability coverage, depending on their needs and budget.

One of the key benefits of Ameritas Life Insurance Corp’s disability insurance products is the flexibility to customize coverage to meet the needs of each individual policyholder. Policyholders can choose the length of their benefit period, elimination period, and benefit amount, as well as add riders such as residual disability coverage to enhance their protection.

Ameritas Life Insurance Corp Ratings and Reviews

Ameritas Life Insurance Corp has received positive ratings from various independent rating agencies, indicating its financial stability and strong customer service. Here are some of its ratings:

Ameritas Life Insurance Corp also has a good reputation among its customers. It has a 4.4-star rating on Google Reviews, with customers praising its responsive customer service and competitive rates. Some customers have also highlighted the company’s fast claims processing and easy-to-understand policies.

Ameritas Life Insurance Corp FAQ

What is the best life insurance policy to buy?

The best life insurance policy to buy depends on your individual needs and budget. Ameritas Life Insurance Corp offers a range of policies, including term life, whole life, and universal life insurance, that can be customized to meet your specific requirements. Consulting with a financial advisor can help you determine the best policy for your situation.

How much life insurance do I need?

The amount of life insurance you need depends on factors such as your income, debts, and family situation. A rule of thumb is to have coverage that is 10-12 times your annual income. However, consulting with a financial advisor can help you determine the optimal coverage amount for your needs.

Is Ameritas Life Insurance Corp a good company?

Ameritas Life Insurance Corp has a long history of financial stability and customer satisfaction, with strong ratings from independent rating agencies and positive customer reviews. Its range of insurance products, flexible customization options, and nationwide provider networks make it a good choice for those seeking reliable and comprehensive insurance coverage.

How can I file a claim with Ameritas Life Insurance Corp?

To file a claim with Ameritas Life Insurance Corp, you can contact their customer service team at 800-745-1112 or visit their website to download claim forms. You will need to provide documentation such as death certificates or medical records to support your claim. Ameritas Life Insurance Corp’s claims processing is known for being fast and efficient, with many claims being paid within 48 hours of receiving all required documentation.

Can I change my policy with Ameritas Life Insurance Corp?

Yes, Ameritas Life Insurance Corp offers customization options for its policies, including the ability to adjust coverage amounts, change payment frequency, and add riders. Some policies also offer the option to convert from term life to permanent life insurance without a medical exam. Consulting with a financial advisor can help you determine the best options for your changing insurance needs.

Conclusion

Ameritas Life Insurance Corp offers a range of insurance products that cater to different needs and budgets. Its long history of financial stability and customer satisfaction, coupled with its nationwide provider networks and efficient claims processing, make it a reliable and trusted choice for securing your financial future. If you are in the market for life, dental, vision, or disability insurance, consider Ameritas Life Insurance Corp for comprehensive protection and peace of mind.