Keystone Foundation Whole Life

Keystone Foundation Whole Life insurance, issued by Ameritas Life Insurance Corp. in most states, and issued in New York, by Ameritas Life Insurance Corp. of New York, can become a foundation towards a solid financial future with guaranteed premiums, a guaranteed death benefit and guaranteed cash value. Guarantees depend on the claims-paying ability of the issuing company.

  • Guaranteed Premiums - Regardless of advancing age or changes in your health, premium payments will not increase.
  • Guaranteed Protection - As long as you make scheduled premium payments, your death benefit is guaranteed. Your death benefit can even increase over time if dividends are used to purchase paid up additions, unless policy loans are left outstanding.
  • Guaranteed Cash Value - Your policy’s cash value is guaranteed to accumulate tax-deferred.

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.

Tax Advantages

Keystone Foundation Whole Life offers tax advantages unique to life insurance:

  • Tax-free Death Benefit - The entire amount of the death benefit passes to your beneficiaries free of income taxes.
  • Tax-deferred Growth - Your policy can accumulate cash value on a tax-deferred basis, allowing your money to work for you over the long-term.


A wide variety of riders and features give you the flexibility to enhance your Keystone Foundation Whole Life policy according to your needs.

Getting Started

Your insurance or financial professional can provide more information and can assist you in obtaining Keystone Foundation Whole Life insurance coverage to help meet your needs. For more information see our product brochure.

Keystone Foundation Whole Life (Form 3015) is issued by Ameritas Life Insurance Corp. in approved states. In New York, Keystone Foundation Whole Life (Form 5001 NY) is issued by Ameritas Life Insurance Corp. of New York. Policy and riders may vary and may not be available in all states. Each company is solely responsible for its own financial condition and contractual obligations.