Keystone Whole Life

With its guarantees and lifetime protection, Keystone 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, offers features you, your business and your family can count on: affordable protection, guaranteed death benefit and tax advantages. Guarantees are backed by the claims paying ability of the issuing company.

Affordable Protection

Keystone Whole Life is designed to offer affordable premiums. What’s more, regardless of changes in your health, your Keystone Whole Life premiums are guaranteed to remain level.

Guaranteed Death Benefit

As long as you make scheduled premium payments, your death benefit is guaranteed, and may even increase over time.

Wealth Accumulation

Keystone Whole Life builds cash value at a guaranteed minimum interest rate of 4%. Plus, whole life insurance typically pays dividends. You can use your Keystone Whole Life dividends to:

  • Build cash value more quickly,
  • Increase the dollar amount of the death benefit, or
  • Reduce the number or amount of premiums you pay.

You may even elect to receive dividends in cash. Although dividends are not guaranteed, Ameritas has paid them consistently, even during periods of declining long-term interest rates.

Tax Advantages

Keystone 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.

Getting Started

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


Keystone Whole Life (Form 3013) is issued by Ameritas Life Insurance Corp. in approved states. In New York, Keystone Whole Life (Form FA 8612 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.

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.

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