Ameritas Insurance Review & Ratings (2023)
This Ameritas Insurance Review will cover Ameritas Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Ameritas Insurance A.M. Best rating is A, and the Ameritas Insurance S&P Rating is A+. To compare insurance rates from the best companies in your area, enter your ZIP code below.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Feb 19, 2023
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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. This article provides an in-depth review of Ameritas insurance, covering the company’s history and mission, products and services, discounts, and customer reviews.
- Founded in 1887
- Operates in over 40 states
- Offers life, dental, and disability insurance
Ameritas insurance is a well-established company that has been providing insurance solutions to customers for over 130 years. The company’s mission is to help people live their best lives, and it does so by offering a variety of insurance products and services, including life insurance, dental insurance, and disability insurance. In this review, we will take a closer look at Ameritas insurance, including its history, products and services, discounts, and customer reviews.
Ameritas insurance was founded in 1887, making it one of the oldest insurance companies in the United States. Over the years, the company has evolved to meet the changing needs of its customers, and today it operates in over 40 states. Ameritas insurance’s mission is to help people live their best lives by offering a range of insurance products and services designed to meet their specific needs.
Ameritas Insurance Products and Services
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.
Ameritas Insurance offers:
- 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.
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Ameritas Insurance Available Discounts
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. To qualify for this discount, customers must have multiple policies with Ameritas Insurance.
- 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. To qualify for this discount, customers must enroll in automatic payments for their insurance premiums.
- 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. To qualify for these discounts, customers must meet certain health criteria, which will vary depending on the policy.
- 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. To qualify for these discounts, customers must be part of a group that has a relationship with Ameritas Insurance.
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.
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 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.
Strengths:
- Affordable prices
- Flexible insurance products and services
- Long history and strong reputation
Weaknesses:
- Slow or unresponsive customer service
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In Review: Ameritas Insurance
In conclusion, 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.