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Life Insurance

Life insurance may be one of the most important purchases you’ll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children’s education or even protect your spouse’s retirement plans.

There are several types of life insurance. How much you need and what type is right for you depends on your needs and circumstances.

  • Universal life insurance pays a death benefit to the beneficiary you name and provides premium and face amount flexibility. It provides market rates of interest on your cash value account and tax deferred accumulation.
  • Variable universal life insurance pays a death benefit to the beneficiary you name and provides premium and face amount flexibility while giving you more control of the tax-deferred cash value of the policy. You direct the investment of the cash value in investment options investing in money market, stock and bond funds.
  • Whole life insurance provides permanent protection for your beneficiaries. It offers cash value and tax-deferred accumulation.
  • Term insurance is designed to meet needs for a set "term." It pays the face amount of the policy if you die during the term. Term insurance has no cash surrender or loan value. Premium costs generally increase with your age.

Your insurance or financial professional can help you determine how much and what type of life insurance may be right for you.


Insurance products are issued by Ameritas Life Insurance Corp. in approved states. In New York, insurance products are issued by Ameritas Life Insurance Corp. of New York. Variable life insurance is issued by Ameritas Life Insurance Corp. and underwritten by affiliate Ameritas Investment Corp. It is subject to investment risk, including possible loss of principal. Before investing, carefully consider the investment objectives, risks, charges and expenses, and other important information about the policy issuer and underlying investment options. This information can be found in the policy and investment option prospectuses. You can obtain copies on this website or by calling 800-745-1112. Read the prospectuses carefully before investing.