1) protecting your
income isn’t
out of reach
disability income insurance
DInamic Fundamental®
Ameritas Life Insurance Corp.
Ameritas Life Insurance Corp. of New York
DI 1508 11-15
2) DInamic Fundamental® from Ameritas Life
Insurance Corp. allows you to protect
your most valuable asset—your income—
in the event you become too sick or hurt
to work. The product is simple, priced
to fit within your budget and offers a
streamlined underwriting process.
Simple
Affordable
Attainable
3) It’s Attainable
Why should you consider
DInamic Fundamental®* for
your income protection needs?
• Just over one in four of today’s 20-year olds
will become disabled before they retire.1
• Simplified underwriting process
– No blood or urine tests or paramedical exams
– No Attending Physicians Statements (APS) or
Personal History Interviews (PHI) required
• It is estimated that there are over 37 million
disabled Americans—12% of the total
population. More than 50% of those
disabled Americans are in their working
years, ages 18-64.2
– No income documentation
– Short and simple application
• No extra premium charge for substandard risks
• Limited exclusions, for certain medical conditions,
may be used when needed
• Medical conditions contributed to 62%3 of all
personal bankruptcies filed in the U.S. in 2007,
a 50% increase over results from a similar
study in 2001.
• 65% of working Americans say they could not
cover normal living expenses even for a year if
their employment income was lost; 38% could
not pay their bills for more than three months.4
How To Determine the Cost
of Your Coverage
Your insurance representative will use an online
calculator to determine the premium you will pay
for the coverage you elect. Using that calculator,
your premium is shown below:
Annual Premium =___________
How does DInamic Fundamental
help protect your ability to earn
an income?
®
It’s Simple
• You can purchase a benefit amount up to one times
your annual earnings, not to exceed $100,000
• Pays a single lump sum benefit for total disability
that is expected to last at least one year, provided
you survive the disability for at least 30 days
• No additional benefit riders
Monthly Premium =__________
With DInamic Fundamental®, we’ve made it easier and
more affordable than ever to own individual Disability
Income (DI) protection. For more information about
Disability Income insurance or any other products
for personal, family or business needs, contact your
insurance representative.
* May not be available in all states. State variations may apply.
Please refer to actual policy for details.
• Coverage period is to age 65
• Policy terminates once claim payment is made
Sources:
1. Social Security Administration, Fact Sheet February 7, 2013
It’s Affordable
• Pricing compares well with other common bill
payments (cable, internet, etc.)
2. U.S. Census Bureau, American Community Survey, 2011
• Level premium structure, meaning you pay the same
amount every month
3. he American Journal of Medicine, June 4, 2009 Medical
T
Bankruptcy in the United States, 2007: Results of a National
Study; David U. Himmelstein, MD, Deborah Thorne, PhD,
Elizabeth Warren, JD, Steffie Woolhandler, MD, MPH
• Premium is based on percentage of manual duties
performed in your occupation
4. ouncil for Disability Awareness, Disability Divide Consumer
C
Disability Awareness Study, 2010
4) Ameritas Life Insurance Corp.
Ameritas Life Insurance Corp. of New York
In approved states, DInamic Fundamental® (form 4504LS) is issued by Ameritas Life Insurance Corp. located at 5900 O Street,
Lincoln, NE 68510. In New York, DInamic Fundamental® (form 5504-LS) is issued by Ameritas Life Insurance Corp. of New York
located at 1350 Broadway, Suite 2201, New York, NY 10018. Policy and riders may vary and may not be available in all states.
This information is provided by Ameritas®, which is a marketing name for subsidiaries of Ameritas Mutual Holding Company, including,
but not limited to, Ameritas Life Insurance Corp., Ameritas Life Insurance Corp. of New York and Ameritas Investment Corp., member
FINRA/SIPC. Ameritas Life Insurance Corp. of New York is licensed in New York. Each company is solely responsible for
its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com.
Ameritas® and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life® and DInamic
Fundamental® are registered service marks of affiliate Ameritas Holding Company.
© 2015 Ameritas Mutual Holding Company