Ameritas review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Ameritas is an insurer, so the policy sits with Ameritas Life Insurance Corp. and the individual range is written for seniors. Monthly payments are available, support runs on email, chat and phone, and dental premiums across the site show a median of €14.42 a month.
Key facts
- Best for
- Anyone buying dental as seniors who wants life and income protection on monthly payments.
- Insurance types
- Dental, Life, Income-protection (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Claims channels
- Email, Phone, Post (Source, checked September 26, 2026)
- Legal entity
- Ameritas Life Insurance Corp. (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Founded
- 1887 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
- Audience
- Seniors
- Pricing model
- Monthly
- Official website
- ameritas.com
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Cover is written by the insurer, Ameritas Life Insurance Corp., rather than resold through a broker.
- Monthly payments are available and the model is monthly, so premiums are spread across the year.
- Support runs on email, chat and phone, which covers most questions without a branch visit.
- Operating since 1887 in the US, supervised by the New York state insurance regulator.
Cons
- The range is dental, life and income protection, with no health policy listed.
- Claims run on email, phone and post, narrower than the email, chat and phone used for policy questions.
- Cover is written for seniors, so members outside that group are not the intended reader.
Who it suits
- Anyone buying for seniors who wants dental cover alongside life and income protection.
- Members who prefer premiums spread across the year, since pricing runs on a monthly model.
- People who want the contract with the insurer itself, because cover is written by Ameritas Life Insurance Corp..
Who should look elsewhere
- Anyone after health cover: Oney Préstamos ES lists health, life and gadget, so it fills that gap.
- Households wanting home, motor or pet cover in the same basket: Good Sam Insurance Agency lists auto, home and renters.
- Buyers who want life insurance only: Linxea's range is life and stops there.
How Ameritas compares
9.4 vs 9.4
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9.4 vs 9.4
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9.4 vs 8.8
9.4 vs 8.7
9.4 vs 9.0
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9.4 vs 9.3
9.4 vs 8.9Its range is life, a cleaner fit for anyone who wants life cover on its own.
9.4 vs 8.9
9.4 vs 8.9
9.4 vs 9.3
9.4 vs 8.6- 9.4 vs 9.3
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9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
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9.4 vs 9.1
9.4 vs 8.9
9.4 vs 8.9
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9.4 vs 8.8
9.4 vs 8.6- 9.4 vs 8.4
- 9.4 vs 8.2
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Where Ameritas is available
- Available
- United States
- Licence in United States
- New York (state insurance regulator), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Is Ameritas an insurer or a broker?+
Ameritas is an insurer, so the contract is with Ameritas Life Insurance Corp. rather than a comparison site. The group has been operating since 1887 and is based in the US, which means the insurer named on the policy is also the group behind the cover.
What kinds of cover does Ameritas sell?+
The listed range is dental, life and income protection. There is no health policy in that set, so anyone looking for health cover would need to look elsewhere, at a provider such as Oney Préstamos ES or Good Sam Insurance Agency, whose ranges include health, life and gadget and auto, home and renters.
How are premiums paid?+
Premiums run on a monthly model, and monthly payments are available, so the cost of dental cover is spread through the year rather than paid up front. The monthly structure is the only pricing style listed, which suits anyone who prefers a predictable monthly outflow.
What do premiums look like against other listings?+
Dental listings on the site show a median premium of €14.42, with the lower quartile at €3.65 and the upper quartile at €23.31. Across the categories where this brand appears, the site median is €8.37, which gives a useful yardstick for a quote.
Who regulates Ameritas?+
Ameritas is supervised by the New York state insurance regulator, and the group is headquartered in the US. It operates through Ameritas Life Insurance Corp., the named insurer on the policy, so a claim is handled inside the regulated company that wrote the cover.
How do I reach support?+
Support runs on email, chat and phone, so most questions can be raised without visiting an office. Chat and email cover quick checks on a monthly plan, and the help centre holds the policy detail. Phone is listed too, which matters for anyone who prefers talking the cover through with a person.
How are claims handled?+
Claims are handled on email, phone and post, a narrower set than the email, chat and phone used for general queries. Email, phone and post are the listed routes, so a dental claim goes in writing or by call. Members who like to keep every claim in a live chat thread will not have that here.
Who is the cover written for?+
The individual range is written for seniors. Anyone buying for a working adult wanting income protection alongside dental, or a family member under the same policy, sits outside that audience. For pure life cover, Linxea lists life and may fit more closely.
Sources
- ameritas.com/about/financial-strength checked September 26, 2026
Backs: Insurance types
“Ameritas provides insurance and financial products to individuals and businesses, including life insurance, annuities and individual disability income insurance; group benefits, including dental,...”
- ameritas.com/about/our-story checked September 26, 2026
Backs: Founded, Headquarters
“In 1887, there were no local life insurance companies in Lincoln, Nebraska. Five community leaders saw that as an opportunity and formed The Old Line Bankers Life Insurance Company of Nebraska. Today...”
- ameritas.com/employee-benefits/faq-dental-member checked September 26, 2026
Backs: Claims channels
“Network providers will submit the claim for you. Out-of-network claims can be submitted by you or your dental provider.”
- ameritas.com/industry-professionals/dental-vision/faq-broker checked September 26, 2026
Backs: Pricing model, Monthly payments, Support channels
“The payment frequency is automatically set to monthly. Individual policyholders can change their frequency to quarterly, semi-annually or annually”
- ameritas.com/industry-professionals/dental-vision/individual checked September 26, 2026
Backs: Audience, Provider type, Legal entity, Licences
“Seniors enjoying retirement”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Premium from.
Ameritas
Anyone buying dental as seniors who wants life and income protection on monthly payments.