Life insurance may be one of the most important purchases you’ll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children’s education, protect your spouse’s retirement plans, and much more.

Protection
Too often people think life insurance is only important for families with young children. In reality, there are many situations where death benefit needs last a lifetime. Part of the premium you pay into your life policy goes to provide a death benefit which can:

• Provide for your survivors by replacing lost income.
• Ensure your estate goes where you intend by effectively transferring your wealth.
• Protect your busines associates and heirs by funding business agreements.
• Leave a legacy to a charity or to beneficiaries who need a lifetime of care.
• Pay funeral costs and other final expenses–relieving your survivors of that burden.

Income Potential
Part of the premium you put into your variable universal life policy can be invested in variable investment options, which are managed by some of the top names in the mutual fund industry. You have the freedome to choose any number and combination of investment otpions from a wide selection of low-, medium- and high-risk choices.

Investing does involve the chance for loss, including principal. But if you experience investment growth, you may be able to access some of the value of your policy during your lifetime and use if for:

• Supplemental retirement income.
• College funding.
• Any other financial goals.

There are no age restrictions or limitations on how you can spend the money. However, any money you withdraw reduces the policy's death benefit and excessive withdrawals could cause the policy to lapse.

Your Ameritas Life representative can help you determine how much and what type of life insurance may be right for you.