Ameritas vs Principal Financial Group

Ameritas offers two kinds of individual disability insurance policies. Its DInamic Fundamental policy pays out a lump sum disability benefit. Most disability insurance policies pay a monthly benefit. 

Ameritas's DInamic Foundation policy offers helpful features like an additional benefit to help cover COBRA premiums. You can also add coverage for student loan payments.

In contrast, Principal offers more limited information about its individual disability insurance policies online. However, it does offer simplified underwriting for individual disability insurance, which can decrease the time it takes an insurer to review your policy.

Principal also offers a retirement protection policy to help keep your retirement savings on track. For additional information on Principal's individual disability insurance, you'll need to work with the company directly.

You can find group disability insurance policies through Ameritas and Principal. Principal offers both short-term and long-term policies. Many of these policies include employee support programs that help employees recover and return to work. 

Ameritas offers a Guaranteed Standard Issue policy. It's unclear whether this policy is long-trem or short-term disability insurance. For more information, work with Ameritas.

Both companies also offer disability insurance geared to meet the needs of business owners. Both offer an overhead expense policy. Ameritas offers disability salary continuation policies. Principal offers disability buy-out and key person replacement insurance. If you're interested in a specific kind of disability insurance, you'll want to work with the company that offers that kind of policy.

Ameritas is worth exploring further if you're interested in individual disability insurance with additional coverage for COBRA or a policy that offers a lump sum benefit payout. The company is also worth considering for employers and business owners. Work with Ameritas to learn more about your options to determine if its policies would meet your needs.

Principal's individual disability insurance policies are also worth investigating further. Online information on these policies is limited. However, you can benefit from simplified underwriting. You can also protect your retirement savings with its retirement protection policy.

You can also find group long- and short-term disability policies and policies designed around the needs of business owners. Work with Principal directly to get more information on its policies so you can assess how well one of its policies can meet your needs.