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Fixed Annuities for Your Clients

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competitive term life insurance

Help clients address retirement income, principal protection and predictable growth

When you’re deciding where to place your annuity business, you need fixed annuity products that can help address a range of client goals and resources and services to support your business.

Ameritas brings those elements together to help you grow your fixed annuity business.

Learn more about what it’s like working with Ameritas.

Strategies aligned to real client needs

Different fixed annuity products support different retirement priorities. The goal is to match the right product to a client’s accumulation and retirement income objectives.

These scenarios reflect how fixed annuities are often used in client conversations.

Clients focused on conservative accumulation

Designed for clients seeking tax-deferred growth, a guaranteed minimum interest rate and the flexibility to make additional premium payments over time.

Compass Flexible Premium Deferred Annuity

Please note: This product is only available in New York.

ameritas instant term life insurance
protection for unexpected life events

Clients ready to generate retirement income

Designed for clients who want to turn a portion of their retirement assets into a predictable stream of income, with options that can provide payments for a specified period or for life.

Compass Single Premium Immediate Annuity

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How do fixed annuities compare with other retirement options?

Clients often compare fixed annuities with other retirement planning options. Their combination of guarantees and income features can provide benefits that may not be available through other financial products.

Fixed annuities help protect principal from market declines and may appeal to clients seeking greater stability.

Fixed annuities offer a guaranteed interest rate for a defined period.

Earnings grow tax-deferred until withdrawals are taken, which may help clients accumulate more assets over time.

Fixed annuities can help clients create a predictable income stream for a specified period or for life through annuitization or with an immediate annuity.

Fixed annuities provide features designed to help clients plan around known rates, payment schedules or income amounts.

Frequently asked questions

How does a fixed annuity work?
A fixed annuity is a tax-deferred insurance product that provides a guaranteed interest rate and guaranteed income payments.
When should a client consider a fixed annuity?
Clients may consider a fixed annuity when they’re seeking principal protection, guaranteed growth, tax-deferred accumulation or a predictable income stream as part of their retirement strategy.
What is the difference between a deferred and immediate annuity?
Deferred annuities are designed to help clients accumulate assets before taking income, while immediate annuities begin providing income payments shortly after purchase.
Can fixed annuities provide lifetime income?
Yes. Fixed annuities can help clients create a predictable income stream for a specified period or for life through annuitization.
How do fixed annuities compare to other financial products?
In addition to a guaranteed interest rate for a specified period, fixed annuities provide tax-deferred growth and can be used to create a predictable income stream. Depending on the contract, clients may also have access to a portion of their account value.
What are the benefits of tax-deferred growth?
Tax-deferred growth allows interest earnings to accumulate without current taxation until withdrawals are taken, which may help clients accumulate more assets over time.
Who may be a good candidate for a fixed annuity?
Fixed annuities may be a fit for clients seeking principal protection, guaranteed growth, predictable retirement income or a more conservative approach to retirement planning.
What is a MYGA?
A MYGA, or multi-year guaranteed annuity, is a fixed annuity that offers guaranteed interest. You can choose from the offered periods, each with a guaranteed interest rate for the selected term.

Sound like what you’re looking for?

Contact us to learn how fixed annuities can fit into your client conversations. We can also help you explore next steps for your business.

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Guarantees are based upon the claims-paying ability of the issuing company.

In approved states, Ameritas RateLock Multi-Year Guaranteed Annuity (form 2708) and riders are issued by Ameritas Life Insurance Corp.

In New York, Compass Flexible Premium Deferred Annuity (form 5704) is issued by Ameritas Life Insurance Corp. of New York.

In approved states, Compass SPIA (form 2703) is issued by Ameritas Life Insurance Corp. In New York, Compass SPIA (form 5703) is issued by Ameritas Life Insurance Corp. of New York.