Ameritas burial insurance
Ameritas is the carrier for someone who would rather do the whole thing on a screen. The application is genuinely online end to end, and for a healthy applicant the decision comes back without a phone call.
Rating read from AM Best on 2 September 2026. AM Best calls A excellent: a strong ability to meet obligations to policyholders. How we check ratings.
The verdict
A solid, unremarkable A rated carrier with an unusually good digital process. Worth a look if the online application matters to you, and worth comparing against the others if it does not.
What is good and what is not
In its favour
- Fully online application with no phone call required
- Wide issue ages, from 20 upward
- A rated balance sheet
- Also the paper behind Ethos policies, so the underlying insurer is the same
Against it
- Not usually the cheapest option in the older age bands
- Less well known as a final expense brand, which some buyers find unsettling
- The online process suits confident computer users and frustrates everyone else
How it treats your health
Standard simplified issue with an automated underwriting engine. Controlled conditions are fine. The automation means a borderline case can get an answer that a human underwriter might have taken differently, so a decline here is worth re-running elsewhere rather than treating as final.
What it actually sells
Simplified issue whole life, available directly and also as the underlying paper on Ethos-branded policies.
The waiting period
No waiting period for applicants who pass the health questions. Applicants who do not pass are generally declined rather than offered a graded product.
This is the single most misunderstood thing in this market, and it is where most people get sold the wrong policy. Our full explanation is in burial insurance with no waiting period.
What moves the price
Age, sex, tobacco use, face amount and state.
Why there is no price on this page
We hold no rate tables, so any premium printed here would be invented. On a licensed site that is a compliance problem rather than a helpful touch. The honest number comes from running your age, state, health answers and coverage amount against the 25+ companies the agency can write, which takes a few minutes.
See what Ameritas would actually cost you
Six questions, about a minute. We run them across every company we can write, including this one, and come back with real prices. A typical burial runs $15,395 once the cemetery is included, so that is the number worth covering.
Get my quotes (786) 818-0383Talk to one of our licensed agents
Questions people ask about Ameritas
Is Ethos the same as Ameritas?
Not the same company, but the policies are connected. Ethos is a technology platform rather than an insurer, and its policies are issued on Ameritas paper, which is why both carry the Ameritas rating.
Compare it against the rest
One carrier is never the answer for everybody, because they disagree about health. The full scorecard shows every company we can write, with the verified AM Best grade and the date we read it.