Excel Essential UL

As an important part of your financial plan, life insurance can help you protect your family and business by providing a death benefit to your beneficiaries. Excel Essential UL universal life insurance issued by Ameritas Life Insurance Corp. can provide that essential protection with affordable premiums while still providing the flexibility and cash value accumulation potential of universal life insurance.

Affordable Protection

Excel Essential UL can provide affordable protection for your family or business. The death benefit is payable to beneficiaries tax free to help meet the needs of those you leave behind.


As a universal life insurance policy, Excel Essential UL offers flexible premium options. You can pay less premium when money is tight, and more when you want to increase the policy’s cash value or increase the death benefit.

Excel Essential UL also offers a variety of riders to allow you the flexibility to tailor the product to meet your personal or business needs.

Wealth Accumulation

Your Excel Essential UL policy will build cash value on a tax-deferred basis, which can help defer the long-term cost of the coverage.

If you are looking for a simple, affordable strategy for your life insurance needs, look to Excel Essential UL. It offers you the permanent protection and adjustable flexibility of universal life insurance at a price that’s accessible.

Getting Started

Your insurance or financial representative can provide more information and can assist you in obtaining Excel Essential UL to help meet your needs. For more information see our product brochure.

Excel Essential UL (Form 3005) is issued by Ameritas Life Insurance Corp. in approved states. Excel Essential UL (Form 5006) is issued by Ameritas Life Insurance Corp. of New York.