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Insurance & Annuities

Life Insurance

Life will never be free from uncertainty. But when uncertainty is minimized, life can be maximized. No matter what stage of life you are in, if someone depends on you financially, you should consider reducing their uncertainty by protecting them with life insurance. Life insurance is critical to help make sure your family wouldn’t have to make major changes like selling the family home, switching schools or changing their lifestyle if you died prematurely. In the event of a tragedy, life insurance proceeds can:

  • Help pay the bills and meet ongoing living expenses
  • Pay off outstanding debt, including credit cards and your mortgage
  • Finance large, future expenses
  • Help pay for college
  • Protect a spouse's retirement plans
  • Replace lost income
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Disability Income Insurance

Protection for your most valuable asset.

The ability to work and earn a living makes everything else possible. It’s our most valuable asset. And it deserves protection.. Disability income insurance provides income if you are unable to work because of an illness or injury.

You don’t hesitate to insure your home, your car or other valuables, so why wouldn’t you protect your income? Think of it as insurance for your paycheck. Contact an insurance professional to learn more about protecting your earning potential.

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Annuities

Annuities offer tax-deferred growth as you save and can provide immediate retirement income today or at some point in the future.


What Kinds of Annuities Are There?

There are three basic types of annuities.  Fixed, Indexed and Variable.  

Fixed Annuity. The insurance company promises you a minimum rate of interest for a defined period of time. They may also have a fixed amount of periodic payments. Fixed annuities are regulated by state insurance commissioners.  

 

Indexed Annuity. They are complex financial instruments. They offer growth potential without downside market risk. Provides the potential to accumulate money without the risk associated with investing in the stock market. Keep in mind, you are not actually participating in the market or investing in any stock or bond. Indexed annuities are regulated by state insurance commissioners.

 

Variable Annuity. As its name implies, a variable annuity's rate of return changes with the stock, bond and money market funds that you choose as investment options. Variable annuities are sometimes compared to mutual funds because they offer similar investment features, including investment choices—called "separate accounts"—that resemble mutual funds. However, they are different products. The SEC regulates variable annuities.

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Individual Dental Insurance

Preventive dental care can save you money by keeping your mouth protected from more serious dental issues. Besides protecting your smile, regular dental check-ups help monitor your overall health. Many risks, such as diabetes, oral cancer and heart disease can be detected early on by a dentist.

Individual dental insurance is an affordable way to maintain dental health when yIu are not covered through an employer. And having your own plan means it’s portable – you can take it with you if you retire, change jobs, start your own business, or take a sabbatical. 

Dental Plan Highlights

 Each plan provides a different level of benefits to meet your individual needs.

  • All plans cover preventive services, such as an annual dental exam and cleaning, at 100% when visiting a network provider.
  • You have the freedom to use any dentist with the opportunity to save an average of 30% with an Ameritas Dental Network provider.
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Individual Vision Insurance

How many hours do you spend each day staring at digital devices? Researchers at the Weill Cornell Medical College in New York report that Americans are exhausting their eyes because of too much screen time, which can cause vision problems such as eye strain, irritation, dryness, fatigue, blurred vision and sleep problems. 

Ameritas individual vision insurance is an affordable way to maintain vision health when you are not covered through an employer. And having your own plan means it’s portable – you can take it with you if you change jobs, start your own business, or take a sabbatical.

Vision Plan Highlights

  • Out-of-network benefits – the plan provides an allowance and you are responsible for any cost above that amount
  • No waiting periods
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