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Ameritas Life Insurance Review (2026)

Written and reviewed by Hans Goldstein, licensed insurance producer, NPN 20602398 · CA Insurance License #4273294
Last reviewed October 3, 2026 · Published October 3, 2026

Editorial review by a licensed agent who may earn a commission. No insurer pays for placement or grades. Hans is paid a commission by the insurer if you buy a policy through him. For life insurance, ask and he will tell you what he earns on your specific policy.

Short answer: Ameritas (AM Best A, affirmed 6/4/2026) sells two IULs worth knowing: FLX Living Benefits IUL, built around its Care4Life accelerated benefits, and Growth IUL for accumulation. Neither publishes current caps or loan rates for consumers, so ask for both on an illustration. Ameritas is also one of the insurers behind policies sold online by Ethos.

Ameritas at a glance

Companies: Ameritas Life Insurance Corp.

AM Best financial strength: A, affirmed 6/4/2026 (AM Best: Ameritas affirmation (6/4/2026)).

Market position: Top 20 in 2025 IUL new premium (LIMRA: 2025 full-year top 20 IUL company rankings).

Two IULs, two jobs

FLX Living Benefits IUL: the living-benefit product. Its Care4Life accelerated benefits cover critical, chronic and terminal illness up to stated maximums. Those are maximum accelerations, not checks, and the California form can differ; ask for the CA rider form.
Growth IUL: the accumulation product.

Neither product's current caps are public. Ask for the guaranteed minimum cap on each index account in an illustration.

Loans: ask for both columns

Ameritas does not publish its IUL loan rates for consumers. Some IULs offer a fixed loan whose cost nets close to zero at current crediting, but the guaranteed credit on loaned value is usually lower than the current one, so the net cost can rise. Ask for the guaranteed and illustrated loan columns side by side. IUL loan rates in 2026.

Own Ameritas?

Get your policy graded.

Send your email and I'll send the in-force illustration request letter. Return it and I'll grade the policy within one business day.

We’ll email it to you. Hans Goldstein · NPN 20602398.

Rather talk it through? Or book 15 minutes on Hans’s calendar.

Ameritas and Ethos

Ethos, the online agency, names Ameritas and North American as its IUL partners (Ethos release, 1/7/2026). If you bought an IUL through Ethos, check your policy's first page for the issuing insurer; that company's contract and loan provisions are what apply. Ethos review.

Who Ameritas fits

Buyers who want living benefits with defined maximums.
Not a fit until current caps are in writing.

Own a Ameritas policy, or comparing one?

Send the policy or quote. Within one business day you get a written read on the Goldstein Index and two alternatives from other carriers.

Rather talk it through? Or book 15 minutes on Hans’s calendar, or call 213-414-2808.

Hans Goldstein · 213-414-2808 · NPN 20602398, independent licensed insurance producer

Frequently asked questions

Is Ameritas a good life insurance company?

Ameritas holds an AM Best A rating, affirmed June 4, 2026.

What IULs does Ameritas sell?

FLX Living Benefits IUL, built around Care4Life accelerated benefits, and Growth IUL for accumulation.

What are Ameritas IUL loan rates?

Ameritas does not publish its IUL loan rates for consumers. Ask for the guaranteed and current loan charges and credits on an illustration.

Does Ameritas issue Ethos policies?

Ethos names Ameritas and North American as its IUL partners.

What are the Care4Life limits?

Care4Life accelerates part of the death benefit for critical, chronic or terminal illness up to stated maximums. Those maximums are not checks: payouts are reduced at claim, and the California rider form can differ.

Sources

Hans Goldstein, CA Insurance License #4273294 · NPN 20602398 · Goldstein & Co. LLC dba Goldstein Insurance Services, CA License #6016830

Contact: hans@hansgoldstein.com · 213-414-2808

General education, not tax or legal advice. Tax treatment depends on your facts and on current law, which can change. Talk to your CPA or estate attorney. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Guarantees apply only to the contractual terms of the policy. Caps, participation rates, loan rates, charges and dividends are not guaranteed and can change. Hans is paid a commission by the insurer if you buy a policy through him. For life insurance, ask and he will tell you what he earns on your specific policy. Product and company names are trademarks of their owners. Goldstein Insurance Services is an independent agency, not affiliated with or endorsed by any insurer named here. Life insurance requires underwriting; not everyone qualifies. This page describes products in general terms; read the policy and the insurer's disclosures before you buy.