Ameritas is best known for group dental, vision, and hearing benefits, where it runs one of the larger standalone networks in the country. Five Lincoln, Nebraska business leaders started the company in 1887 to give the city a life insurer of its own, and it still operates as a mutual holding company owned by policyholders rather than shareholders. AM Best rates Ameritas Life Insurance Corp. A (Excellent), most recently affirmed in May 2025 with a stable outlook. Beyond the ancillary benefits, you can place individual and group life insurance, individual disability income, fixed and indexed annuities, retirement plans, and investment and asset management services. That mutual structure matters on long-duration products, where the carrier answers to the people holding the policies.
