Keystone Term

You can protect the people who depend on you with Keystone Term life insurance issued by Ameritas Life Insurance Corp. Keystone Term provides guaranteed, affordable protection and the flexibility to adapt to your personal circumstances. Guarantees require that premiums are paid and they are backed by the claims paying ability of the issuing company.

Guaranteed Protection

Keystone Term provides a death benefit in the amount you choose – according to your financial situation and the needs of those who depend on you. Your death benefit is guaranteed and will never decrease, as long as you pay the required premium. Since the protection is provided for a relatively limited period, Keystone Term provides a higher benefit at a lower cost than permanent life insurance coverage.

Keystone Term is ideal for a temporary insurance need and can be customized for your specific situation. For example:

  • Keystone Term 1 can help protect assets against a short-term business debt.
  • Keystone Term 10 is ideal for a young family because it remains affordable through critical growth years. Keystone Term 15 can cover long-term debts and obligations.
  • Keystone Term 20 provides for even longer-range financial needs, such as college costs.
  • Keystone Term 30 is the longest plan available, and proceeds can cover debt obligations such as a 30-year mortgage.

Custom Coverage

You may want to consider adding additional benefits when you apply for your policy to customize your coverage to meet your individual needs. If your circumstances change, each Keystone Term plan is annually renewable to age 100 – regardless of your health. You may also want to consider converting your Keystone Term policy to any currently offered single life product from the insurance companies of the UNIFI Companies. A new policy may be available without a medical examination in many cases

Getting Started

Ask your insurance or financial representative to design a Keystone Term Life Insurance plan that’s right for you, your family or your business. For more information see our product brochure.

Keystone Term (Form 3011) is issued by Ameritas Life Insurance Corp. in approved states. In New York, Keystone Term (Form 5011) is issued by Ameritas Life Insurance Corp. of New York.