Ameritas Low-Load Variable Life Insurance
Protection with Investment Potential
Variable Universal Life Insurance enables you to help your client plan for their family's financial future as they protect it. By dedicating a portion of each premium payment to tax-deferred investment opportunities, you can help them protect their loved ones with permanent insurance while investing for long-term goals like retirement or college tuition. While part of each premium pays for life insurance coverage, a portion can grow tax-deferred in your choice of investment options advised by well-known mutual fund companies. This policy is designed to protect loved ones by addressing two important needs: lifelong insurance protection and funding long-term financial goals.
Because there is an investment component to variable universal life insurance, you should read the prospectus before investing or sending any money. The prospectus provides detailed information about the product's investment opjectives exclusions, limitations, risks, and charges.
The Ameritas Low-Load Variable Life Insurance Difference
- No Loads - Designed specifically for the fee-based and fee-only advisor, no loads mean more of each dollar goes to work immediately from day one. Of course all insurance policies have fees, but because there are no commissions, low-load policies usually cost less.
- No Surrender Charge - There is no penalty for canceling the policy at any time (any gains are taxed as ordinary income)
- Trusted Investment Fund Managers - Vanguard® VIF, Fidelity® VIP, Calvert Variable Series, Rydex and many more.
- Over 50 Investment Options - Covering a full range of asset classes. (Investment options carry their own costs.)
Tax-Free Access to Cash
In addition to providing death benefit protection, Ameritas Low-Load Variable Universal Life can be a tax efficient way to save for your financial goals. And unlike some investments, there are no age restrictions on accessing the policy's assets or limitations on how the funds are spent. The money can be used for :
- Supplemental Retirement Income
- College Funding
- Business needs including buy-sell agreements, key person insurance and deferred compensation.
Both loans and withdrawals will reduce the policy's cash value and death benefit and excessive loans or withdrawals may cause the policy to lapse.
Contact us today to learn more about the Ameritas Low-Load Variable Universal Life Difference!
The Ameritas Low-Load Variable Universal Life insurance policy (Form 4055) is issued by Ameritas Life Insurance Corp. and underwritten by affiliate Ameritas Investment Corp. Variable products have investment risk, including the possible loss of principal. Before investing, carefully consider the investment objectives, risks, charges, expenses and other important information about the policy issuer and underlying investment options. This information can be found in the policy and investment option prospectuses, which are available on this web site. Please read the prospectus carefully before investing or sending any money. It is possible that coverage may not continue to maturity date if policy costs reach maximum guaranteed levels, and premiums continue to be paid at the initial planned premium level.
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