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fulfilling life®

Commitment to RIA Market

Ameritas Life Insurance Corp. (Ameritas) pioneered the concept of non-commissioned life insurance over 30 years ago and remains committed to RIAs and fee-based advisors. Whether you’re in the process of moving to a fee-based business model or looking for assistance in implementing fee-based life insurance and annuity strategies in your RIA practice, Ameritas is here to help.

Without commissions or surrender charges, the Ameritas no-load variable annuity and life insurance products were created specifically for the clients of RIAs. The low-cost fee structure and immediate 100% liquidity lead to more flexibility and control which means more money going to work for your client.

Ameritas has one goal: to help you fulfill the potential of your life’s work. And because helping advisors with the life insurance and annuity needs of their clients is what they’ve been doing for decades, Ameritas knows the challenges you face as an independent advisor and how to make it simpler for you.

Technology Integrations

Whenever you want, wherever you are, you can go to to manage your clients’ insurance and annuity portfolios.

You can:

  • Trade online (including list trading)
  • View daily position and balance updates for all variable policies
  • Access confirmation and quarterly statements
  • Check out daily updated investment option performance
  • Download client-approved product material

Plus, your firm can obtain automated downloads of VUL and VA client account data via DST Vision or FAN Mail to make asset management, fee billing and performance reporting easier.  

Investment Approach

Ameritas is part of a mutual-based organization, which means it is owned by their policyholders, not shareholders. This structure helps Ameritas develop strategies and make decisions that focus on long-term financial strength rather than short-term quarterly returns. It is the foundation that has allowed Ameritas to deliver on its promises for more than 130 years.

Standard & Poor's
A.M. Best

All information sourced directly from

DST Vision and FAN Mail are not affiliates of Ameritas or Ameritas Investment Company, LLC. Each company is solely responsible for its own financial condition and contractual obligations.

Ameritas Advisor II VUL (form 4200) and Ameritas Advisor No-Load VA (form 6150) are issued by Ameritas Life Insurance Corp. and underwritten by affiliate Ameritas Investment Company, LLC.

Variable products are suitable for long-term investing and are subject to investment risk, including the possible loss of principal. Before investing, carefully consider the investment objectives, risks, charges and 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 by calling 800-255-9678 or online at Please read the prospectuses carefully before investing or sending money. Products are not available in NY. 

This information is provided by Ameritas®, which is a marketing name for subsidiaries of Ameritas Mutual Holding Company, including, but not limited to: Ameritas Life Insurance Corp., 5900 O Street, Lincoln, Nebraska 68510 and Ameritas Life Insurance Corp. of New York, (licensed in New York) 1350 Broadway, Suite 2201, New York, New York 10018. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit

Ameritas® and the bison are registered service marks of Ameritas Life Insurance Corp. Fulfilling life® is a registered service mark of affiliate Ameritas Holding Company.

© 2020 Ameritas Mutual Holding Company. 

More about Ameritas

Advisors appreciate the removal of up-front commissions, leading to opportunities for immediate cash value growth and lower premiums over time in the Ameritas VUL. 

Ross McGoodwin
Consultant, DPL Financial Partners

Ameritas has long served RIAs and we believe our partnership further enhances DPL’s offering for RIAs seeking commission-free insurance solutions.

David Lau
Founder and CEO, DPL Financial Partners

Firms are expanding their offerings to include fee-based insurance products, ensuring RIAs are offering a holistic planning approach to the needs of the client.

Jason Torske
Director, Ameritas Advisor Solutions

Get Started

To learn more about low-cost, Commission-Free solutions call us at 888.327.0049 and speak to a DPL consultant.