Competitive Annuity Products for Your Clients
Annuities for your clients’ needs
Clients come to you with different retirement goals. Some want growth potential. Some want more predictable income. Others want a place to set aside money for a future need.
At Ameritas, you have access to a range of competitive annuity products that can help you align recommendations with a client’s goals, risk tolerance and time horizon.
Annuity options
You have access to a variety of annuity products:
Both commission-based and fee-based options are available, giving you flexibility to align recommendations with your business model and client needs.
How do fixed, indexed and variable annuities compare?
| < Scroll to view > | Fixed Annuity | Indexed Annuity | Variable Annuity |
|---|---|---|---|
| How does it grow? | Guaranteed interest rate | Interest rate linked, in part, to the performance of one or more market indexes. | Market-based investments |
| Can the value decline due to market performance? | No | No | Yes |
| Does it offer tax-deferred growth? | Yes | Yes | Yes |
| Can it provide retirement income? | Yes | Yes | Yes |
| Who may consider it? | Clients seeking stability and predictability | Clients seeking growth potential with downside protection | Clients willing to accept market risk for greater growth potential |
Common client conversations for annuities
Annuities may be part of the discussion when clients are seeking income, growth potential, protection or long-term planning strategies. Financial professionals often use annuities to help clients:
- Create retirement income.
- Accumulate assets on a tax-deferred basis.
- Reduce exposure to market volatility.
- Set aside money for future needs.
- Support legacy planning goals.
Ameritas offers a range of annuity options to help align these conversations with individual client goals and risk preferences.
Support beyond the product
At Ameritas, you have access to resources designed to help move business from client conversation to implementation:
- Product positioning and illustration support.
- Advanced planning consultation.
- Operations and processing assistance.
- Compliance guidance.
- Ongoing customer service support.
These resources can help create a smoother experience throughout the sales and servicing process.
Support for your practice
Ameritas offers resources designed to help you identify opportunities, strengthen client discussions and build your annuity business.
- Onboarding and training help you become familiar with annuity products, sales concepts and available resources.
- Education and development help you stay current on retirement income planning strategies, market trends and client needs.
- Practice management resources help you uncover new opportunities, engage existing clients and incorporate annuity conversations into a broader planning approach.
Together, these resources can help you build confidence, expand retirement planning discussions and create additional opportunities to serve clients.
Why mutuality matters
Ameritas is a mutual organization, owned by policyholders rather than shareholders. This structure supports a long-term focus, aligns our approach with policyholder interests and helps guide consistent risk management over time.
For you, that means working with a company positioned to support long-term planning conversations with your clients, now and in the future.
Frequently asked questions
What types of annuities does Ameritas offer?
How do indexed, fixed and variable annuities differ?
Which annuity may be appropriate for retirement income?
What annuity options are available for fee-based advisors?
Expand how you serve your clients
If you want to include more annuity conversations in your practice, Ameritas can help you build on what you already do.
Already appointed?
Annuities are issued by Ameritas Life Insurance Corp. in approved states and by Ameritas Life Insurance Corp. of New York in New York.
Annuities with index options may be referred to as equity index annuities. The index options are not securities; keep in mind your clients are not investing in stocks, bonds or in the indexes themselves. Therefore, credited interest does not include dividends paid by companies included in the relevant index. The index options may not be available in all states. The credited interest rate is linked, in part, to gains in any combination of indexes.
Variable products are issued by Ameritas Life Insurance Corp. in approved states and are underwritten by Ameritas Investment Company, LLC.
Policies, index strategies and riders may vary and may not be available in all states. Optional riders may have limitations, restrictions and additional charges.
Guarantees based on the claims-paying ability of the issuing company and do not apply to the investment performance or account value of the underlying investment options.
Withdrawals of policy earnings are taxable and, if taken prior to age 59 ½, a 10% penalty tax may also apply.
Variable products are subject to investment risk including the possible loss of principal. For variable products, before investing, carefully consider the investment objectives, risks, charges, expenses and other important information about the policy issuer and underlying investment options. This information can be found in the policy and investment options prospectuses. Prospectuses are available online at ameritas.com or by calling 800-745-1112. Read the prospectus carefully before investing.