Ameritas Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Our Ameritas Insurance Company Score
2 Stars
We award Ameritas a final rating of two out of five stars. Founded in 1887, the carrier has been around for well over a century, demonstrating Ameritas’ ability to offer reputable coverage, annuities, finance options, and more to customers across the U.S.
However, customer reviews tend to challenge that. A concerningly high volume of customer complaints across the web detail frustrating encounters in attempting to contact the carrier for various inquiries, as well as getting claims approved or even acknowledged. It’s extremely challenging to find a customer review of this carrier that isn’t dismal at best. The carrier’s website also leaves much to be desired, as does their customer service availability and lack of official claims process.
Bottom line: While strong financial stability and high ratings through both AM Best and the BBB are major advantages for any carrier in the industry today, we’re more concerned with whether the company delivers on promises it makes to its loyal customers. When trusting an insurance company with your hard-earned cash, you deserve not only quality coverage but also respect and acknowledgment, as well as quality service from the company in return, and we’re not sure Ameritas provides that. Thanks to the voices of many current and former customers, we have no choice but to recommend that you work closely with your independent insurance agent to survey other options to meet your coverage needs before settling on Ameritas.
Ameritas Pros and Cons:
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Ameritas Insurance Products by Type
Ameritas offers the following insurance products.
Ameritas Term Life Insurance
Ameritas offers several types of life insurance, including three main types of term life insurance. Coverage terms of one, 10, 15, 20, or 30 years are available.
Coverage types, features, & benefits
Ameritas Value Plus Term Life Insurance
This type of policy from Ameritas offers affordable premiums throughout the length of your term.
Ameritas ClearEdge Living Benefits Term Life Insurance
This type of policy from Ameritas offers a level premium throughout the coverage term as well as a living benefit that the policyholder can borrow from while they are still alive to help pay for the cost of a serious illness.
Ameritas Instant Term Life Insurance
This type of policy from Ameritas offers coverage approval within minutes, and no medical exam, labs, or records are required.
Ameritas Whole Life Insurance
Ameritas also offers whole life insurance coverage, designed to cover the policyholder for their entire life, which comes with the following features and benefits.
Coverage types, features, & benefits
Guaranteed level premiums
Ameritas' whole life insurance policies come with guaranteed level premiums for life.
Guaranteed death benefit
Ameritas' whole life insurance policies offer a guaranteed death benefit amount that will never decrease before being paid out to a beneficiary.
Cash value component
Ameritas' whole life insurance policies also offer a growing savings component that policyholders can access while they're still alive.
Ameritas Life Insurance Average Prices
Ameritas does not make its average life insurance rates readily available. The cost of your policy may also vary considerably depending on your age, health status, location, occupation, and other factors. To get a better idea of how much a life insurance policy might cost you, use our life insurance calculator. An independent insurance agent can also help you get life insurance quotes from Ameritas.
What Discounts Does Ameritas Offer?
While information about Ameritas’ discounts is not readily available, many insurance companies offer common discounts on the same types of products they offer. These discounts include:
- Wellness program discount: Offered to business customers who work for employers with wellness programs in place.
- Annual check-up discount: Offered to business customers who work for employers that require mandatory annual check-ups with a physician.
- Safe working environment discount: Offered to business customers who work for employers that provide safe working environments with few occupational hazards.
- Safe hobbies discount: Offered to individuals who practice safe, non-life-threatening hobbies (e.g., no skydiving) for life insurance.
- Young applicant discount: Offered to individuals who purchase life insurance when they are younger, such as in their 20s or 30s.
- Bundling discount: Offered to customers who combine multiple forms of coverage through a single carrier.
An independent insurance agent can provide more exact discount information and premium quotes for coverage through Ameritas. These agents work hard to help you get the most value for your money without sacrificing quality coverage.
Ameritas Customer Service
Here's an overview of Ameritas' customer service options and availability.
- Phone
- Snail mail
- Online claims reporting
- Fax
- The customer service phone department does not specify its hours restrictions.
| Days | Hours (CST) | ||
| Monday-Sunday | NOT SPECIFIED |
Ameritas offers direct contact options, but a much easier way to get set up with the right coverage for you is through working with an independent insurance agent. These agents also help make customer service easier for you by handling claims and other customer service issues.
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Ameritas Insurance Company FAQs
Ameritas does not publish a specific claims response time frame promise.
Ameritas allows customers to contact it via phone, fax, snail mail, or email. Its phone department does not list its specific hours.
Ameritas' official website does not detail its claims process. Forms are provided online for customers to download and fax, email, mail, or submit electronically. Telephone numbers are also provided for further questions customers may have about filing claims. The carrier’s claims FAQ still does not detail its claims process, but it does list the information customers need to have ready before filing.
While Ameritas’ website is certainly far from the worst when compared to other modern insurance carriers, it also has a long way to go. The layout and navigation could be more intuitive and easier to navigate, and more options could be added to help both prospective and current customers. For example, there is no option to request quotes online.
Ameritas’ official website also does not make the carrier’s claims process clear, nor does it offer a claims response time frame promise. The lack of services provided by many other modern carriers could certainly deter prospective customers. However, the carrier does have a social media presence on Facebook, LinkedIn, and Instagram, which makes it a bit more accessible.
Yes, Ameritas offers several life insurance options for customers, including term life, whole life, and universal life.
Ameritas has excellent official ratings and offers several life insurance products, annuities, and investment options. Not all products are available in every state, however, and the carrier does not provide much detail about its claims process. There are also many dismal and concerning customer reviews across the web, which prevent us from being able to call Ameritas a good insurance company.
Ameritas' insurance products may be right for customers seeking life insurance, annuities, or investment options. Work with an independent insurance agent to find out which products are available in your area.
https://www.ameritas.com/
https://www.bbb.org/us/ne/lincoln/profile/insurance-companies/ameritas-life-insurance-corp-0714-206000048
https://ratings.ambest.com/CompanyProfile.aspx?BL=0&amb=6152&AltNum=14886152&AltSrc=4