"PROTECTING FAMILIES, BUSINESSES, AND THEIR INCOME"
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TERM LIFE INSURANCE
Affordable and flexible protection
Term life insurance is an economical way to provide protection for those you care about the most. You choose how much protection you want to provide and how long you want it to last.
Lower Cost, Level Premiums
Generally, term insurance provides a higher benefit at a lower cost than permanent life insurance because protection is provided for a limited period and the policy does not grow in value. It is a cost-effective way to cover a shorter-term need. You can get an idea of the cost of a policy by using our quick and easy premium calculator.
Your premiums remain level for the term you select and your death benefit is guaranteed never to decrease as long as you pay the required premiums. Guarantees are backed by the claims-paying ability of Ameritas.
WHOLE LIFE INSURANCE
A strong foundation of permanent protection
With a guaranteed death benefit that will not decrease, a premium guaranteed not to increase and cash value that earns a guaranteed interest rate, whole life insurance can create a good foundation of traditional insurance. Whole life insurance provides permanent lifetime protection for those you care about. No matter when you die, as long as your premiums are paid, your beneficiaries will receive the money they need and generally won’t owe income taxes on those funds.
Guaranteed Cash Value Growth
Whole life insurance builds cash value at a guaranteed interest rate. The policy cash value grows tax-deferred, which can help you accumulate even more over the long term. While it may reduce the amount of death benefit your policy provides, you may be able to use the policy’s cash value to help pay for college, to supplement your income during retirement or for other financial needs. While not guaranteed, whole life policies generally receive annual dividends, which can be used to build cash value, to increase the policy’s death benefit or to reduce the number or amount of premiums.
Your life insurance needs are as unique as you are so you can customize your policy to meet your needs and you can make changes as your life changes. Whole life insurances may be a good fit for you if you can commit to paying an ongoing level premium and are looking for protection to last a lifetime. It offers strong policy guarantees* and cash value that grows with a conservative approach. Learn more by reviewing the product materials and contact a financial professional.
UNIVERSAL LIFE INSURANCE
Protection with the flexibility to make changes
With protection that can last as long as you need, the ability to build cash value, and premium and death benefit flexibility, universal life insurance can create a flexible layer of life insurance protection. Universal life insurance is permanent insurance that provides protection in case of death as well as a savings or cash value component.
Universal life insurance can provide the permanent protection your beneficiaries may need. It has no maturity date. As long as your policy maintains a cash surrender value of at least $1, your policy will remain in force.
You may be able to use the cash value of your universal life insurance policy to help pay for college, to supplement your income during retirement or for other financial needs. The cash value of the policy grows tax-deferred based on the premiums you pay, the declared interest rate and the policy charges. Using the policy’s cash value will lower the policy’s death benefit.
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*Securities and investment advisory services are offered solely through Registered Representatives and Investment Advisor Representatives of Ameritas Investment Corp. (AIC), a registered Broker/Dealer, Member FINRA/SIPC, and a registered investment advisor. AIC and Gem State Financial Group are not affiliated. Additional products and services may be available through Gem State Financial Group that are not offered through AIC. Securities products are limited to residents of states where associates are registered.
This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Registered Representative. Read it carefully before you invest or send money. A Representative from Gem State Financial Group will contact you to provide requested information.
Representatives of AIC do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.