Ameritas Life vs Mutual Trust Life Insurance
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)
Mutual Trust Life Insurance
Founded: 1905
Oak Brook, Illinois
Assets
$3 billion (Pan-American)
IUL Experience
3+ years
Products
1
Avg Cap Rate
9%
Key Strengths
Offers Vista Life IUL (launched 2024)
Known for Bank on Yourself strategies
120 years
Detailed Feature Comparison
| Feature | Ameritas Life | Mutual Trust Life Insurance |
|---|---|---|
| Founded | 1887 | 1905 |
| Headquarters | Lincoln, Nebraska | Oak Brook, Illinois |
| Assets Under Management | $20 billion | $3 billion (Pan-American) |
| Years in IUL Business | 3+ years | 3+ years |
| Number of IUL Products | 4 | 1 |
| Typical Cap Rate Range | 8% - 11% | 8% - 10% |
| Participation Rates | 115% | 110% |
| 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 |