Ameritas

Ameritas is a mutual life insurance carrier, which means the company is owned by policyholders rather than shareholders. Surplus earnings can be returned as policyholder dividends rather than paid out to investors.

Their permanent product line, particularly their whole life and IUL chassis, is competitive on cash value accumulation. The dividend history is part of why we model their illustrations on a guaranteed-only basis as well, so families see the floor underneath the projection.

Ameritas is well-suited to applicants planning to use the policy as a long-horizon wealth instrument, not just a death benefit.