CALL US: (888) 440-2468

CALL US: (888) 440-2468

have an annuity question?
have an annuity question?

Independent Review of Ameritas

Ameritas Mutual Holding Company has more than 130 years of experience in the insurance arena, which dates back to the 1800s. The company began as The Old Line Bankers Life Insurance Company of Nebraska (or Bankers Life). Throughout the years, Bankers Life grew from just a small insurance company to one of the nation’s 100 largest insurance companies.

In 1988, Bankers Life changed its name to Ameritas Life Insurance Corp. (or Ameritas Life), and in 1998, Ameritas Mutual Holding Company was formed. Today, this insurance conglomerate offers a full line of annuities, which include fixed, variable, and indexed. The company designs these products to perform for the long term. Just some of the other financial and insurance products that are offered through Ameritas include life insurance, disability income, investments, retirement plans, and dental, vision, and hearing coverage. The core strength of Ameritas Mutual Holding Company actually lies within its insurance companies. These include:
  • Ameritas Life Insurance Corp. (aka, Ameritas Life)
  • Ameritas Life Insurance Corp. of New York
As a mutual-based entity, Ameritas does not have to cater to stockholders, so the company instead puts its customers first. As of year-end 2018, Ameritas insurance companies’ general account invested assets based was in excess of $13.5 billion. For more of the company’s financial information, you can review the Insurance Operations of Financial Strength Profile HERE. Due to its strong financial foundation, along with its track record of paying out its customers’ claims, Ameritas has received high ratings from the insurer rating agencies. These include a(n):
  • A+ from Standard & Poor’s
  • A from A.M. Best Company
The index annuities that are offered through Ameritas allow you the opportunity to earn a return that is based – in full or in part – on an underlying market index such as the S&P 500. These annuities will also keep your principal safe, no matter what occurs in the stock market. That’s because your credited return will be 0% in years where your chosen index performs poorly. Growth that takes place is tax-deferred, meaning that there are no taxes due on the gain until the time of withdrawal. This, in turn, can allow your account to grow and compound exponentially over time. As with other annuities, a fixed index annuity (FIA) will also offer a number of income receipt alternatives – including the lifetime option that will continue to pay out for as long as you live, no matter how long that may be. The variable annuities in the Ameritas portfolio of products also allow growth that is based on underlying market performance. Here, while there is the chance of market-related risk, there is also the possibility that your account can grow significantly more than that of a fixed or a fixed index annuity. If you are close to retirement, you may opt for an immediate annuity from Ameritas. With these annuities, you can turn on the income stream right away (or very soon after you purchase the annuity). An immediate annuity can be a good place to transfer money that you have saved in an employer-sponsored retirement account (like a 401k), and/or a personal IRA (Individual Retirement Account). You can also go to our extensive Annuity Database to check out our comprehensive reviews of Ameritas annuities.

Is an Annuity from Ameritas Right for You?

If you’re leaning towards the purchase of an annuity, but you still aren’t sure which type would be right for you and your specific financial objectives, we can help. At Annuity Gator, our mission is built around ensuring that consumers get all of the information they need about annuities – not just the positives and the “fluff” that is typically found in insurance companies’ brochures. We make comparing annuities easy and can work with you in narrowing down the right one, at the right time. So, contact us today, toll-free, at (888) 440-2468, or email us through our secure online contact form to set up a time to chat with one of our trained annuity experts and research analysts. Best, The Annuity Gator P.S If you would like to read more of our Ameritas annuity reviews here are some links to check out:

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