| AmerUS Life Insurance Company has been a leading | | | | death. Some of the products offered by this |
| provider in life insurance policies in the United States. | | | | company in the United States are Indexed Life |
| Their main website lets customers know that the | | | | Insurance, Universal Life Insurance, Single Premium |
| company started in the year 1896 when it was | | | | Life, Indexed Survivor Universal Life, Level Premium |
| founded as a Central Life Assurance Company. | | | | Term Insurance and Excess Interest Whole Life |
| Although the company itself did not grow much from | | | | Insurance. |
| the start, through the span of the years it got the | | | | Indexed Life Insurance: This type of life insurance |
| people needed to operate correctly and be | | | | allows people to have flexible payment options and |
| successful at becoming a primary life insurance | | | | death benefits. What is good about this type of |
| company in the United States. It was not until the | | | | policy is that it provides cash value accumulation |
| year 1996 that the company actually acquired the | | | | based on how leading market indices grow. It is also |
| name AmerUS Life Insurance Company and at that | | | | good to note that this type of policy also protects |
| time they actually started to organize as a stock | | | | the policy from the risks of a downside market and a |
| insurance company. | | | | drop in the indices. If you purchase what Aviva calls |
| Things continue to grow and after the year 2000 | | | | the "no Lapse Guarantee Rider" on your "Advantage |
| they acquired Indianapolis Life Insurance and finally | | | | Builder" part of the policy, the death benefit in the |
| closed the year with an estimated $21.5 billion in | | | | policy can be extended to the entire life of the |
| assets. The big news about AmerUS took place in | | | | person insured. |
| the year 2006 where AmerUS and Aviva Corporation | | | | Universal Life Insurance: This type of life insurance is |
| signed an agreement under which Aviva acquired | | | | a very common type of permanent life insurance in |
| them and paid $69 per share in cash. This meant that | | | | the American market. This type of policy will actually |
| all their operations would be combined and the | | | | specify the amount a beneficiary to the policy gets |
| business would have their headquarters in Des | | | | within certain minimum and maximum limits. This will |
| Moines, Iowa. | | | | allow the policy holder to actually buy the amount of |
| Life insurance in the United States is just starting to | | | | life insurance that he or she prefers. |
| be a big thing. In the past nobody thought that life | | | | Single Premium Life: This type of policy is unique in |
| insurance was the right thing to get, and some | | | | that the person will only pay a single one time |
| people actually thought that it would be a waste of | | | | premium for a death benefit that will actually last a |
| money to buy. With present events such as 9/11, | | | | lifetime. This is primarily designed for individuals that |
| Americans have come to their senses and have | | | | have savings or that need cash when they have an |
| actually realized that accidents can happen to anyone | | | | emergency. |
| at anytime and for that reason it is always better to | | | | Indexed Survivor Universal Life: This type of life |
| be prepared. | | | | insurance company is one in which two lives are |
| With the market for life insurance increasing, it is not | | | | insured (more than likely a couple) and pays the |
| a surprise that more and more life insurance | | | | benefit after the second person dies. In other words, |
| companies are being created. With so many | | | | if a husband dies before his wife; the policy will not |
| companies it is hard to know which one of them is | | | | be reimbursed to the beneficiary. It also has the |
| the best one for you. That is why a customer must | | | | potential to accumulate cash value that in the end will |
| always try and shop around either online or in person. | | | | be given to the beneficiary after both people in the |
| If you locate a company that you think might be the | | | | policy die. |
| one and when you compare its price to other | | | | Level Premium Term Insurance: Perhaps the most |
| companies you find that it's not that expensive, and | | | | famous type of life insurance in the United States |
| then you will feel much confident in signing with them. | | | | because it is not permanent. This type of insurance |
| When you try to log into the main website for | | | | simply allows a policy holder to have protection for a |
| AmerUS you will be directed to a letter from the | | | | specified period of time. In AmerUS (now Aviva) |
| Aviva Life Insurance Company. Since both of the | | | | people can purchase 10, 15, 20 or 30 year term |
| companies combined and are being run under Aviva's | | | | policies based on the needs that they have. This |
| name it is important to know about them. Aviva is | | | | type of policy does not accrue cash value, but it will |
| the world's fifth largest insurance group and it is the | | | | pay the beneficiary the amount that the policy holder |
| biggest provider of life insurance in the United | | | | purchases in case of the policy holder's death. |
| Kingdom. The company is huge and it employs about | | | | Excess Interest Whole Life Insurance: There |
| 58,000 people that serve an estimated 35 million | | | | products are made to ensure that professionals, |
| customers around the globe. They are one of the | | | | business owners, individuals and executives get what |
| strongest life insurance and long term service Product | | | | they need from the life insurance industry. What this |
| Company with assets of over $600 billion and more | | | | type of policy does is give you fixed premiums and |
| than $65 billion in sales. The company itself is based in | | | | guarantees you death benefits. |
| London, England and its history can be traced back to | | | | As you can see AmerUS has gone far beyond what |
| the year 1696. This means that the company is over | | | | many life insurance companies have achieved. With |
| 300 years old and for this reason it has the | | | | the joint help of Aviva of North America, these two |
| recognition and world fame that not many other can | | | | companies have taken the life insurance market in |
| claim. | | | | the United States to a whole new level. To decide if |
| AmerUs Life Insurance Company (now called Aviva | | | | AmerUS and Aviva may be a good life insurance |
| Life and Annuity Company) offers many life insurance | | | | choice for your needs then be sure and carefully |
| products that can help someone establish financial | | | | research your options with a licensed Aviva life |
| security for the future in case of an unexpected | | | | insurance agent. |