Excel LifeValue Survivor UL Universal Life Insurance

If death benefit protection for two people is what you need, survivor universal life insurance may be the right plan for you. An Excel LifeValue Survivor UL (SUL) policy issued by Ameritas Life Insurance Corp. in approved states has several features that can help you and your spouse meet your insurance needs and financial objectives:

Withdrawals and loans will reduce available death benefit and policy value. Withdrawals beyond basis may be taxable income. Excessive and unpaid loans will reduce death benefits and policy value and may cause the policy to lapse. 

• Death benefit options – Three death benefit options allow you to structure the policy to meet your family’s needs.
• Cost-effective premiums – Coverage for two people on the same policy is usually less costly than purchasing two single-life policies.
• Cash accumulation – Permanent life insurance builds cash value on a tax-deferred basis, and you can use the funds to help you reach your goals.
• Estate taxes – Choosing a policy that is payable at the death of the surviving insured allows you to use policy proceeds to pay estate taxes or other expenses.

Custom Options

Excel LifeValue Survivor UL offers several options so you can tailor the policy to meet your needs. From sophisticated business solutions to simple additional coverage choices, Excel LifeValue Survivor UL can be customized to your individual circumstances.

Getting Started

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

Excel LifeValue SUL (Form 3007) is issued by Ameritas Life Insurance Corp. in approved states. In New York, Excel LifeValue Survivor UL (Form 5007) is issued by Ameritas Life Insurance Corp. of New York.