Ameritas Insurance Review & Ratings (2024)

Ameritas insurance is a reliable and cost-effective provider of life, dental, and disability insurance. With a long history dating back to the late 1800s, Ameritas offers a variety of products and services to customers in over 40 states. Whether you’re looking for affordable prices, flexible insurance products, or a strong and reputable company, Ameritas insurance may be a good option for you.

What You Should Know About Ameritas Insurance Company

Welcome to our comprehensive guide on Ameritas Insurance and its coverage options. In this article, we’ll explore the key topics related to Ameritas Insurance, including policy types, benefits, claims process, and customer satisfaction. Whether you’re looking for life, dental, vision, or disability insurance, we’ve got you covered.

• Founded in 1887
• Operates in over 40 states
• Offers life, dental, and disability insurance

Our goal is to provide you with valuable insights and information to help you make an informed decision. Ready to find the best insurance rates in your area? Enter your zip code now and compare rates from top providers.

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Ameritas Insurance Company Insurance Coverage Options

Ameritas insurance offers a variety of products and services, including life insurance, dental insurance, and disability insurance. The cost of these services will vary based on a number of factors, including your age, health, and the coverage you choose. In addition, Ameritas insurance offers a range of discounts, which we will discuss in more detail later in this review.

• Life insurance: Ameritas Insurance offers a range of life insurance options, including term life insurance, whole life insurance, and universal life insurance. These policies provide financial protection to policyholders and their families in the event of death, helping to cover expenses like funeral costs, outstanding debts, and living expenses.
• Dental insurance: Ameritas Insurance also offers dental insurance coverage, which can help cover the cost of dental procedures, such as cleanings, fillings, and extractions. They offer a range of dental insurance plans, including PPO plans and indemnity plans, to meet the needs of different customers.
• Disability insurance: Ameritas Insurance provides disability insurance coverage to help policyholders replace a portion of their income if they become disabled and are unable to work. This type of coverage can help policyholders maintain their standard of living, pay bills, and take care of their families while they recover.
• Annuities: Ameritas Insurance also offers annuities, which are financial products that provide a guaranteed stream of income to policyholders in retirement. Annuities can help policyholders save for retirement, protect their savings, and ensure that they have a steady source of income in their golden years.

Some of these products and services may vary based on your location, and the specific policy you have. To get the most accurate information about the products and services available to you, contact Ameritas Insurance directly.

States That Offer Ameritas Insurance

Ameritas Insurance is offered in most states across the United States. However, the specific states where Ameritas Insurance is available may vary based on the type of insurance coverage you’re looking for. For example, the availability of life insurance, dental insurance, and disability insurance policies may differ.

Contact Ameritas Insurance directly to find out if they offer insurance coverage in your state. You can typically find this information on their website, or by reaching out to a customer service representative by phone or email.

When contacting Ameritas Insurance, be sure to have your location and insurance needs in mind, so they can provide you with the most accurate information about the products and services that are available to you.

Ameritas Insurance Company Insurance Rates Breakdown

Navigating the world of insurance can be complex, and understanding how rates are determined is crucial in making informed decisions about coverage. Exploring these facets helps unravel the intricacies behind insurance rates, empowering individuals to make choices aligned with their needs and financial capabilities.

• Age: Typically, younger individuals tend to pay higher premiums due to perceived higher risk. As individuals age, especially after 25, insurance rates may decrease.
• Gender: Historically, insurance companies used to charge different rates based on gender. However, this has changed in some places, and now the impact of gender on insurance rates varies by region and type of insurance.
• Driving Record: For auto insurance, a clean driving record with no accidents or violations often leads to lower premiums. On the contrary, accidents or traffic violations might increase rates.
• Health Condition: For life or health insurance, the insured’s health status is a crucial factor. Better health often results in lower premiums.
• Location: The geographical area can significantly impact insurance rates due to various factors like crime rates, accident statistics, natural disaster risks, etc.
• Type and Amount of Coverage: The level of coverage chosen greatly affects insurance rates. More coverage generally leads to higher premiums.
• Credit Score: In some instances, credit score can impact insurance rates, as it may be indicative of a person’s financial responsibility.

Insurance rates serve as the financial backbone of coverage, reflecting a balance between risk assessment and policy affordability. The amalgamation of age, health, location, and coverage preferences creates a unique tapestry that insurers evaluate to assign premiums.

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Ameritas Insurance Company Discounts Available

Ameritas insurance offers a number of discounts to its customers, including multi-policy discounts, automatic payment discounts, and more. To qualify for these discounts, you may need to meet certain criteria, such as enrolling in automatic payments or having multiple policies with the company. Some of the discounts Ameritas offers include:

• Multi-policy discounts: Ameritas Insurance offers a multi-policy discount to customers who have multiple policies with the company. This discount can be applied to life, dental, and disability insurance policies, making it an attractive option for those looking to bundle their insurance coverage. 
• Automatic payment discounts: Ameritas Insurance also offers an automatic payment discount to customers who enroll in automatic payments for their insurance premiums. By enrolling in this option, customers can save money on their monthly premiums and ensure that their coverage is always up-to-date. 
• Health-based discounts: Some of Ameritas Insurance’s insurance policies offer discounts to customers who are in good health. For example, those who have a healthy BMI, don’t smoke, and have regular dental checkups may be eligible for discounts on their dental insurance coverage. 
• Group discounts: Ameritas Insurance also offers group discounts to customers who are part of a group that has a relationship with the company. For example, employees of a company that partners with Ameritas Insurance may be eligible for group discounts on their insurance coverage.

It’s worth noting that the discounts offered by Ameritas Insurance may vary based on your location, and the specific policy you have. To get the most accurate information about the discounts available to you, it’s best to contact Ameritas Insurance directly.

Ameritas Insurance Claims Excellence

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Ameritas Insurance understands the importance of a hassle-free claims process. They offer multiple channels for filing claims, making it convenient for policyholders. Whether you prefer online submissions, phone assistance, or utilizing their mobile app, Ameritas provides options to suit your preferences.

Their digital accessibility ensures that you can initiate a claim anytime, anywhere, adding a layer of convenience to your insurance experience.

Average Claim Processing Time

Ameritas Insurance takes pride in its efficient claim processing system. While specific processing times can vary depending on the complexity of the claim, they strive to expedite the process. Customers can expect timely resolutions, reducing the stress associated with waiting for claims to be settled.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is invaluable, and Ameritas Insurance values its policyholders’ opinions. They aim for transparency and fairness in claim resolutions and payouts. While the majority of customers report positive experiences, some have mentioned occasional delays or communication challenges. Ameritas is continually working to address such issues and improve customer satisfaction in their claims process.

Unleashing the Power of Ameritas Insurance Digital Tools

Mobile App Features and Functionality

Ameritas Insurance offers a user-friendly mobile app designed to simplify policy management. With the app, you can access your insurance information, make payments, view policy documents, and even file claims directly from your smartphone. It’s a powerful tool that puts your insurance needs at your fingertips.

Online Account Management Capabilities

Managing your insurance policies has never been easier with Ameritas’s online account management capabilities. Through their secure online portal, you can review and update your policy details, monitor premium payments, and track your claims’ progress. This digital platform empowers policyholders to take control of their insurance accounts with ease.

Digital Tools and Resources

Ameritas Insurance offers a range of digital tools and resources to educate and assist their customers. These resources include informative articles, calculators to estimate coverage needs, and educational videos. By providing these digital assets, Ameritas aims to empower policyholders with the knowledge and tools necessary to make informed insurance decisions.

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How Ameritas Insurance Company Ranks Among Providers

Ameritas Insurance competes with several reputable companies across various insurance sectors. Here are some of its main competitors in different insurance categories:

• Metlife: Known for its diverse life insurance offerings and strong financial stability, Metlife is a major competitor in the life insurance sector, providing various policy options and coverage levels.
• Prudential Financial: Prudential is a prominent life insurance provider offering a wide range of policies, including term life, universal life, and variable life insurance, along with investment and retirement solutions.
• Delta Dental: As one of the largest dental insurance providers, Delta Dental offers comprehensive dental coverage and an extensive network of dentists, competing strongly in this sector.
• Guardian Life Insurance: Guardian offers dental insurance alongside other insurance products. It’s recognized for its dental PPO plans and comprehensive coverage options.
• The Hartford: Known for its disability insurance coverage, The Hartford is a significant competitor offering a range of disability insurance policies for individuals and businesses.
• Principal Financial Group: Principal provides disability insurance solutions, specializing in income protection and disability income insurance for individuals and businesses.
• New York Life: A major player in the annuities and retirement sector, New York Life offers various annuity options and retirement planning services.
• Massmutual: Massmutual provides annuities and retirement solutions, focusing on retirement income planning and financial security for individuals.

These competitors, among others, vie for market share and customer satisfaction across life, dental, disability insurance, annuities, and retirement products. Each company offers its unique blend of coverage options, customer service, and financial stability, creating a competitive landscape where Ameritas Insurance navigates to cater to the diverse needs of insurance consumers.

Ameritas Insurance Customer Reviews

Overall, customers have had positive experiences with Ameritas insurance. Many report that the company offers competitive prices, while others appreciate the flexibility of the insurance products and services offered. Some customers have reported that the customer service can be slow or unresponsive, but these are in the minority.

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