Online Disability Income Insurance

Reasons to Consider This Product

  • You want to be able to replace your income in the event of disability.
  • If you’d rather buy online than with an insurance agent.
  • No medical exams, just a few simple questions.

Product Information

  • Coverage up to the higher of your income or $100,000.
  • Apply from ages 18 to 60, covers up to age 65.
  • Covers both manual and non-manual jobs.

Disability Income Insurance
Ameritas DInamic Fundamental®

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.

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
  • It is estimated that there are over 36 million disabled Americans–12% of the total population. More than 50% of those disabled Americans are in their working years, ages 18-64.2
  • Medical conditions contributed to 62%3 of all personal bankruptcies filed in the U.S. in 2007 – an estimate of over 500,000.4 A 49.6% 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.5

How does Dynamic 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
  • Coverage period is to age 65
  • Policy terminates once claim payment is made

It’s Affordable

  • Pricing compares well with other common bill payments (cable, internet, etc.)
  • Level premium structure, meaning you pay the same amount every month
  • Premium is based on percentage of manual duties performed in your occupation

It’s Attainable

  • Simplified underwriting process
    • No blood or urine tests or paramedical exams
    • No Attending Physicians Statements (APS) or Personal History Interviews (PHI) required
    • 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

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.

Watch the Video to learn more


* May not be available in all states. State variations may apply. Please refer to actual policy for details.

  1. U.S. Social Security Administration, Fact Sheet February 7, 2013
  2. U.S. Census Bureau, American Community Survey, 2011
  3. The American Journal of Medicine, June 4, 2009 Medical 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
  4. U.S. Courts, Bankruptcy Statistics, 12-Month Period Ending December 2007
  5. Council for Disability Awareness, Disability Divide

In approved states, DInamic Fundamental® (form 4504LS) is issued by Ameritas Life Insurance Corp. In New York, DInamic Fundamental® (form 5504-LS) is issued by Ameritas Life Insurance Corp. of New York. 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., located at 5900 O Street, Lincoln, NE 68510, Ameritas Life Insurance Corp. of New York, located at 1350 Broadway, Suite 2201, New York, New York 10018 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® 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.

© 2014 Ameritas Mutual Holding Company

Insurance products are not a bank deposit, not FDIC insured, not insured by any federal governmental agency, not guaranteed by the bank, and may be subject to investment risks including loss of principal.

Securities and Insurance Products and Services:

Are Not FDIC of any other Government Agency Insured
Are Not Guaranteed by the Bank or its Affiliates
May Lose Value