Embark on a journey of financial security and well-being with Ameritas Life Insurance, a trusted provider with a rich legacy of serving families for over 120 years. Our unwavering commitment to protecting your loved ones and securing their future is deeply embedded in every policy we offer. With Ameritas, you can rest assured that your legacy will live on, ensuring peace of mind and financial stability for generations to come.
Ameritas Life Insurance offers a comprehensive suite of insurance solutions tailored to your unique needs and aspirations. Whether you seek life insurance to safeguard your family’s financial future, protect your business from unforeseen events, or secure your retirement, our experienced professionals will guide you in selecting the ideal policy. Our policies are designed to provide the highest level of coverage and flexibility, ensuring that your loved ones receive the financial support they need, regardless of life’s unexpected turns.
Ameritas Life Insurance Financial Strength: A Trusted Provider
Ameritas Life: A Century of Stability
Established in 1887, Ameritas Life has a storied history spanning more than a century. This financial fortitude provides peace of mind for policyholders, knowing that they have partnered with a company with a proven track record.
Exceptional Financial Ratings
Ameritas Life’s financial strength is consistently recognized by independent rating agencies. It holds prestigious ratings from AM Best (A+), Standard & Poor’s (AA-), Moody’s (A1), and Fitch (A+). These ratings attest to the company’s financial stability, claims-paying ability, and commitment to its policyholders.
Strong Capital Position
Ameritas Life maintains a robust capital position, providing a solid foundation for its financial obligations. Its capital-to-surplus ratio, which measures the company’s ability to meet its financial commitments, consistently exceeds industry standards.
Conservative Investment Strategy
Ameritas Life’s conservative investment approach prioritizes stability over short-term gains. The company allocates its assets wisely, diversifying its portfolio across a range of asset classes and industries. This prudent strategy helps mitigate risk and ensures the long-term growth of its investments.
Sound Risk Management
Ameritas Life takes a proactive approach to risk management, implementing rigorous processes to identify, assess, and mitigate risks. The company has a dedicated team of experts who continuously monitor and analyze potential threats to its financial health.
Policyholder-Focused Approach
Ameritas Life places paramount importance on its policyholders. The company’s mission is to provide financial security and peace of mind to its customers. Ameritas Life’s policies are designed to meet the diverse needs of individuals, families, and businesses.
Excellent Customer Service
Ameritas Life is renowned for its exceptional customer service. The company’s knowledgeable and responsive representatives are committed to assisting policyholders with their inquiries and claims. Ameritas Life also offers a range of online tools and resources to enhance the customer experience.
Award-Winning Products
Ameritas Life’s insurance products have received numerous industry accolades for their innovation and value. The company’s life insurance, annuities, and retirement savings plans are recognized for their competitive rates, flexible features, and comprehensive coverage.
Community Involvement
Ameritas Life is actively involved in its communities, supporting a wide range of charitable initiatives. The company believes in giving back to the communities it serves, fostering a sense of corporate responsibility.
18 Financial Strength Indicators
Ameritas Life’s financial strength is further underscored by 18 key indicators that demonstrate the company’s stability and reliability:
| Indicator |
|---|
| Capital-to-surplus ratio |
| Investment portfolio quality |
| Risk-based capital ratio |
| Financial leverage ratio |
| liquidity ratio |
| Loss ratio |
| Lapse ratio |
| Expense ratio |
| Return on investment |
| Net income |
| Operating cash flow |
| Total assets |
| Surplus |
| Policyholder dividends |
| Claims-paying ratio |
| Customer satisfaction ratings |
| Regulatory compliance |
Ameritas Life Insurance: A Comprehensive Evaluation
Ameritas Life Insurance Company, established in 1887, is a leading provider of life insurance and financial services. With over a century of experience, the company has consistently earned high ratings from independent agencies such as A.M. Best and Fitch Ratings, attesting to its financial strength and stability.
Ameritas offers a wide range of insurance products, including term life insurance, whole life insurance, and universal life insurance. Each policy type has its unique benefits and can be tailored to meet specific individual and family needs. Ameritas also provides a variety of riders and options, such as accidental death benefits, disability income insurance, and long-term care insurance, allowing customers to customize their coverage to suit their circumstances.
One of the key advantages of Ameritas Life Insurance is its strong focus on customer service. The company offers personalized support and guidance throughout the policy lifecycle, from underwriting to claims processing. Ameritas is known for its prompt and responsive claim settlement, ensuring that beneficiaries receive benefits efficiently during difficult times.