Renewable and Convertible Guaranteed Term Products
Amerites offers four term products that allow you to convert to a permanent product regardless of your health status as long as it’s within your policy’s conversion period.

Non-Convertible Term (NCT)
NCT offers a low premium rate, and is neither convertible nor-renewable. It is suitable for insureds with an extremely short-term need for protection and little need for flexibility or ongoing coverage.

Non-Convertible Survivorship Term (NCST)
NCST is a non-convertible, non-renewable term product that insures two lives for a maximum coverage period of one year. NCST provides a death benefit at the time of the second death.

Whole life insurance does exactly what its name says - it provides life insurance protection for a lifetime. Amerites offers nine whole life insurance products. As long as the required premium is paid as provided for in the policy, our whole life insurance products guarantee results. Our whole life insurance products satisfy different needs, but all have guaranteed premiums, guaranteed cash values, guaranteed death benefit, and the potential to receive dividends (dividends are not guaranteed).

Learn which product may be right for your needs.

Whole Life Insurance
Whole Life policy is a permanent life insurance policy with level premiums that builds guaranteed cash value on the basis of a pre-determined schedule set by the insurance company. Please contact Amerites insurance department for further information.

High Early Cash Value Whole Life Insurance
High Early Cash Value Whole Life policy is a great balance sheet product, providing a guaranteed 90% return of the basic annual premium at the end of the first year, excluding policy fees and extra premiums for optional riders or ratings. Please contact Amerites insurance department for further information.

Modified Premium Whole Life Insurance
Modified Premium Whole Life policy is for those individuals who wish to purchase a life insurance policy with a high death benefit ($500,000 or more). This policy offers a lower unit cost per thousand for life insurance protection than do traditional whole life policies with smaller face amount requirements. Please contact Amerites insurance department for further information.

Enhanced Whole Life Insurance
Enhanced Whole Life policy is for those individuals who wish to purchase whole life insurance, but want a policy with significantly lower premiums than a traditional whole life policy. Consequently, because the primary emphasis with this policy is "protection" against the death of the insured, it builds its cash value more slowly than other types of whole life policies. Please contact Amerites insurance department for further information.

Life Paid-Up at Age 65
Life Paid-Up at Age 65 policy is a life insurance policy that, as the name implies, is designed to be fully paid for at the insured's age of 65, meaning that premiums after age 65 are not required to maintain the coverage. Please contact Amerites insurance department for further information.

Ten Payment Whole Life Insurance
Ten Payment Whole Life policy is a life insurance policy that, as the name implies, is fully paid for after 10 annual premium payments. Please contact Amerites insurance department for further information.

Twenty Payment Whole Life
Twenty Payment Whole Life policy is a life insurance policy that, as the name implies, is fully paid for after 20 annual premium payments. Please contact Amerites insurance department for further information.

Survivorship Whole Life
Survivorship Whole Life policy is permanent life insurance that covers the lives of two individuals with just one policy - and one premium.1 The policy pays a death benefit after both insureds have died. The cost for this policy is usually lower than the cost of two individual policies. Please contact Amerites insurance department for further information.

Survivorship Whole Life Protector
Survivorship Whole Life Protector policy is permanent life insurance that covers the lives of two individuals with just one policy - and one premium.1 This policy pays a death benefit after both insureds have died. The cost for this policy is usually lower than the cost of two individual policies. Survivorship Whole Life Protector also costs less than many traditional second-to-die survivorship policies, although its guaranteed cash value will build up more slowly as a result. Please contact Amerites insurance department for further information.

Universal life provides permanent life insurance protection that is flexible enough to change as your needs change. Universal life insurance premium payments get deposited into an interest earning account from which monthly deductions are made for insurance administration charges.

You may choose to make consistent payments on a regular basis or less frequent larger lump sum payments. You have the flexibility of paying what you want, when you want, as long as there is enough money in the account to pay for the monthly insurance and administrative charges.

In addition to the flexibility, universal life policies offer significant guarantees. In addition to offering a guaranteed interest rate and guaranteed charges, some of our universal life products offer competitive "no-lapse" guarantees. For these products, as long as premium requirements are met, your policy is guaranteed not to lapse, no matter what happens to the account balance.

Amerites offer one of the broadest and most competitive portfolios of permanent life insurance. Please contact Amerites insurance department for further information.