Protection with Investment Potential
Ameritas Advisor VUL®

Variable universal life insurance helps you protect what's most important and helps you plan for your future.  You can feel more secure knowing that if you should die prematurely, your family, business associates, or other beneficiaries will be protected.  The policy's death benefit means they will receive the money they need - just when they need it most. 

At the same time, variable universal life helps you merge two financial worlds into one valuable policy.  By dedicating a portion of your premium payment to tax-deferred investment opportunities, you have the potential to start saving for long-term goals like retirement or college tuition while protecting your loved ones with permanent life insurance.

Some of the benefits of our product include:

  • Low Expenses - Of course all insurance policies have fees, but policies that have no commissions like the Ameritas Advisor VUL usually cost less.
  • No Surrender Charge - There's no penalty for canceling your policy at any time ( Any gains are taxed as ordinary income.)
  • Trusted Investment Fund Managers - Vanguard, Dimensional Fund Advisors, Fidelity, Calvert, Rydex, T. Rowe Price and many more.
  • Broad Range of Investment Options - Covering a full range of asset classes. (Investment options carry their own costs.)

Tax-Free Access to Cash
In addition to providing death benefit protection, Ameritas Advisor VUL can be a tax efficient way to save for your financial goals. And unlike some investments, there are no age restrictions on accessing your policy’s assets or limitations on how you spend it. You can use the account value for:

  • Supplemental retirement income
  • College funding
  • Business needs including buy-sell agreements, key person insurance and deferred compensation

Please be aware that both loans and withdrawals will reduce the policy's cash surrender value and excessive loans or withdrawals may cause the policy to lapse.

Contact us today to learn more about the Ameritas Advisor VUL ---Difference! Call us at 800-555-0955.

2016 Ameritas Annual Report
The 2016 Ameritas Mutual Holding Companies Annual Report is now available to download/view.

A.M. Best Affirms Ameritas Rating of A (Excellent) 
A.M. Best Company has affirmed the financial strength rating of A (Excellent). This is the third highest of A.M. Best's 15 ratings.  Best's Rating Report (June 24, 2016)

Standard & Poor's Affirms the Ameritas Insurance Group Financial Strength Ratings
A+ (Strong) for insurer financial strength.  This is the fifth highest of S&P's 21 ratings. Full Analysis Report (April 11, 2017).

Getting Started
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At Your Service

Ameritas Advisor VUL (Form 4051) is issued by Ameritas Life Insurance Corp. and underwritten by affiliate Ameritas Investment Corp.  Variable products have investment risk, including the possible loss of principal. Before investing, carefully consider the investment objectives, risks, charges, 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. Read the prospectuses carefully before investing. It is possible that coverage may lapse if policy costs reach maximum guaranteed levels, and premiums continue to be paid at the initial planned premium level.

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