Ameritas Life vs COUNTRY Financial
Comprehensive side-by-side comparison of indexed universal life insurance companies
Ameritas Life
Founded: 1887
Lincoln, Nebraska
Assets
$20 billion
IUL Experience
3+ years
Products
4
Avg Cap Rate
9.5%
Key Strengths
Offers 4+ IUL products
Growth IUL, FLX IUL, Ethos IUL (partnership)
Instant underwriting (launched Sept 2023 with Ethos)
COUNTRY Financial
Founded: 1925
Bloomington, Illinois
Assets
$12 billion
IUL Experience
5+ years
Products
1
Avg Cap Rate
9%
Key Strengths
Offers IUL products
COUNTRY Financial Indexed Universal Life with 100% participation rate, 0% floor
Forbes #1 life insurance provider ranking (2024)
Detailed Feature Comparison
| Feature | Ameritas Life | COUNTRY Financial |
|---|---|---|
| Founded | 1887 | 1925 |
| Headquarters | Lincoln, Nebraska | Bloomington, Illinois |
| Assets Under Management | $20 billion | $12 billion |
| Years in IUL Business | 3+ years | 5+ years |
| Number of IUL Products | 4 | 1 |
| Typical Cap Rate Range | 8% - 11% | 8% - 10% |
| Participation Rates | 115% | 100% |
| Minimum Premium | $3,600 annual | $5,000 annual |
| Issue Ages | 0-85 years | 0-85 years |
| Underwriting Speed | Instant to 3 weeks | 2-4 weeks |