Ameritas review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Ameritas is a long-standing US insurer that suits people who want dental, life and income protection in the same place rather than a savings account. Monthly premiums on the site sit at €8.31, seniors are a core group, and support runs on email, chat and phone.
Key facts
- Best for
- People in the US who want dental and life cover with monthly payments.
- Insurance types
- Dental, Life, Income-protection↗
- Provider type
- Insurer↗
- Monthly payments
- Yes↗
- Claims channels
- Email, Phone, Post↗
- Legal entity
- Ameritas Life Insurance Corp.↗
- Headquarters
- United States↗
- Founded
- 1887↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Audience
- Seniors
- Pricing model
- Monthly
- Official website
- ameritas.com
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Covers dental, life and income protection under the same insurer, so dental and life needs sit with one company.
- Monthly payments are available, which suits anyone budgeting a set amount each month.
- Support runs on email, chat and phone, so help is easy to reach.
- Claims can be raised through email, phone and post, from a call to a paper submission by post.
Cons
- Ameritas is an insurer, so your money buys insurance cover rather than a deposit, and no bank deposit guarantee sits behind it.
- Premium quotes vary widely, with the upper end of the site range reaching €29.72.
- The individual dental and vision offer is aimed at seniors, so it suits a narrower group than the wider product list suggests.
Who it suits
- People in the US buying dental cover, especially seniors.
- Households that want life and income protection alongside dental from one insurer.
- Anyone who prefers paying a premium across the month rather than settling it in a single payment.
Who should look elsewhere
- Linxea, if life cover is your only need, since life is all it lists.
- Oney Préstamos ES, which covers health, life and gadget, if you want health or gadget cover as well.
- Euroasia Insurance, which sells auto, home and travel, if you need travel, home or car cover.
Deposit protection
Ameritas is an insurer, so what you hold is a policy rather than a cash account, and the money sits with the insurance company. Its licence is held with the New York state insurance regulator in the US, which supervises the insurer rather than a bank account.
The company behind it
The legal entity behind the policies is Ameritas Life Insurance Corp., based in the US and trading since 1887, which puts it among the older names in the market. Ameritas is an insurer rather than a comparison site, so cover is underwritten by the company itself, and support runs on email, chat and phone for policy and claim questions.
How Ameritas compares
9.4 vs 8.6
9.4 vs 9.4
9.4 vs 9.3
9.4 vs 9.4
9.4 vs 8.7
9.4 vs 8.5
9.4 vs 9.4
9.4 vs 8.7
9.4 vs 9.0
9.4 vs 8.7Oney Préstamos ES covers health, life and gadget, adding health and gadget cover alongside life.
9.4 vs 9.4
9.4 vs 9.2
9.4 vs 9.4
9.4 vs 9.4
9.4 vs 9.4
9.4 vs 8.7Linxea lists life only, so it is the simpler option if life cover is all you need.
9.4 vs 9.0
9.4 vs 8.8
9.4 vs 8.9
9.4 vs 8.9
9.4 vs 9.0
9.4 vs 8.3
9.4 vs 9.5
9.4 vs 9.4
9.4 vs 9.4
9.4 vs 9.4
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.3
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9.4 vs 9.3
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9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.1
9.4 vs 9.1
9.4 vs 9.1
9.4 vs 9.1
9.4 vs 9.1
9.4 vs 9.1
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 8.9
9.4 vs 8.9
9.4 vs 8.9- 9.4 vs 8.6
9.4 vs 8.6
9.4 vs 8.5
9.4 vs 8.4
9.4 vs 8.3
9.4 vs 8.3
9.4 vs 8.2- 9.4 vs 8.0
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
How much does Ameritas cost each month?+
Premiums vary by the cover you choose. Across the site, the middle monthly premium sits at €8.31, and the upper end reaches €29.72. Ameritas bills on a monthly basis and monthly payments are available, so the premium is spread across the month.
What kinds of insurance does Ameritas sell?+
The listed cover is dental, life and income protection, so dental sits alongside life insurance and income protection under one roof. On the site, life cover appears for 47.8% of the insurers listed, while dental appears for 9.2%, so dental is the smaller category here.
Is my money safe with Ameritas?+
Ameritas is an insurer, so a policy is a contract with an insurance company rather than a bank account with a deposit guarantee. Its licence is held with the New York state insurance regulator in the US, which supervises the insurer and the policies it writes.
How do I contact Ameritas for help?+
Support runs on email, chat and phone, so you can pick the route that suits you. Claims are handled through email, phone and post, which means a paper submission by post works as well as a quick call or an email.
Who is Ameritas aimed at?+
The individual dental and vision offer is aimed at seniors, so older members are the clearest fit. The wider book covers dental, life and income protection, which opens it up to anyone in the US who wants dental bundled with life or income protection.
How does Ameritas compare with other insurers?+
Among the brands on the site, 43.5% are insurers like Ameritas, so you can compare like with like. Linxea lists life only, and Oney Préstamos ES covers health, life and gadget, so a health angle is a reason to look there as well as here.
Where is Ameritas available?+
Ameritas is based in the US and licensed there, with its licence held with the New York state insurance regulator. Buyers in the US can shop dental, life and income protection cover, and the dental and vision offer is aimed at seniors.
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
People in the US who want dental and life cover with monthly payments.