Ameritas Life Insurance Corp. is a mutual holding company life insurer founded in 1887 and headquartered in Lincoln, Nebraska. Operating as a mutual organization, Ameritas is owned by its policyholders rather than shareholders, enabling long-term decision-making focused on policyholder benefit. Ameritas is perhaps best known for being the nation’s leading carrier for group dental insurance — their Ameritas Dental Network underpins Spirit Dental & Vision plans — and for offering a diverse range of individual life, disability, and annuity products.
AM Best Rating: A (Excellent)
Ameritas carries an A (Excellent) rating from AM Best — affirmed in May 2025 with a Stable Outlook — reflecting very strong balance sheet strength, adequate operating performance, and a favorable business profile. Also rated A+ (Strong) by Standard & Poor’s. Ameritas has maintained their A rating from AM Best for over 50 years.
Ameritas Dental Network
Ameritas operates one of the largest dental networks in the country. Their Ameritas Dental Network powers Spirit Dental & Vision plans — the dental and vision insurance products we offer to our clients. If you have a Spirit Dental plan, it is backed by Ameritas.
Term Life Insurance
Ameritas offers three term products: Value Plus Term (1, 10, 15, 20, or 30-year durations, ages 18–80); ClearEdge Living Benefits Term (includes terminal, chronic, and critical illness living benefits); and Instant Term (no-exam, fast-approval coverage using a health questionnaire only).
Whole Life Insurance
Ameritas Access Whole Life, Growth Whole Life, and Value Plus Whole Life — all eligible for dividends based on company performance. A good option for clients seeking permanent coverage with dividend potential from a financially strong mutual carrier.
Individual Disability Insurance
Ameritas offers individual disability income insurance for professionals and business owners. A carrier we work with for DI alongside Guardian, Principal, and others for clients who need income protection.
Group Dental, Vision & Hearing
Ameritas is a market leader in group dental insurance for employers. Their group dental, vision, and hearing products are a key part of our employer benefits offerings for businesses with 2 or more employees.
Get an Ameritas Life Insurance Quote
Call us at 1-888-972-0024 or contact us to get a personalized quote. We compare rates across all major carriers at no cost to you.