Helping Clients with Index Annuities
Index annuities can be an integral part of a client’s long-term retirement planning strategies. In addition to the benefit of tax-deferral, index annuities from Ameritas provide:
Want to learn more?
Sign in to Producer Workbench for more product details and to order materials.
S&P 500® Index
Russell 2000® Index
MSCI EAFE® Index
S&P 500® Sector Rotator Daily RC2 5% Index
The index rate floor is 0%
Minimum Band to $24,999.99
Low Band $25,000 – $99,999.99
Medium Band $100,000 – $249,999.99
High Band $250,000 and above
Confinement rider
Terminal Illness rider
Home Health Care rider
An enhancement to the normal annuity death benefit that provides additional interest credit on funds within an index option if death occurs at any time other than the ending date of an index period.
The MVA can be a positive or negative adjustment to the surrender value anytime a surrender charge is assessed during the policy’s surrender charge period.
A closer look at each product
Ameritas Income 10 Index Annuity
Good for clients looking for guaranteed* retirement income with choices for stronger guarantees or more opportunity for growth.
- The choice of two Guaranteed Lifetime Withdrawal Benefit (GLWB) riders.
Choose Income Protector for a higher premium accumulation rate. Choose Income Builder for non-guaranteed growth via higher interest credit multipliers.
Ameritas Accumulation 7 Index Annuity
Good for clients looking for long-term, tax-deferred growth potential, access to their money if they need it and options to leave a legacy.
- Five- and seven-year surrender charge schedules.
- Two enhanced death benefit riders.
Enhanced Death Benefit (EDB) Rider is included at no additional charge. It provides a death benefit equal to premiums less withdrawals plus 110% of interest credits.
Enhanced Death Benefit Plus (EDBP) Rider is available at issue in lieu of the EDB at an additional charge. It increases the percent of interest credits to 140%. Funds in an index option receive an interest credit based on the guaranteed minimum interest rate of the fixed account.
Related sales ideas
Start with the Basics
Help your clients get past their preconceived ideas about annuities.
Using Guaranteed Income
Reassure your clients that they can cover essential expenses like housing, health care and food for as long as they live.
Learn more about sales ideas and order materials on Producer Workbench.
Share information about annuities
Check out these Ameritas Insights blog articles about annuities that you can share with your clients. Simply select a share button at the end of the article.
How to Pay for a Serious Illness in Retirement
April 22, 2024
|
10 min read
The Benefits of Tax Deferral
November 15, 2023
| 5 min read
Will You Have Enough Money for Retirement?
June 13, 2023
| 6 min read
Want to know more?
Log in to Producer Workbench for more product details and to order materials.
Call the Ameritas sales support team at 800-319-6903 for illustration and product support.
Sound like what you’ve been looking for?
Connect with us. We’ll have someone get back to you with more information on the products you’re interested in and how you can start selling our products.
Want to learn more?
Sign in to Producer Workbench for more product details and to order materials.
* Guarantees are based upon the claims-paying ability of Ameritas Life Insurance Corp.
In approved states, Ameritas Accumulation 7 Index Annuity (form 2706 with 2706-SCH7) and riders are issued by Ameritas Life Insurance Corp. Ameritas Income 10 Index Annuity (form 2706 with 2706-SCH10) and riders are issued by Ameritas Life Insurance Corp. Policy, index strategies, and riders may vary and may not be available in all states. Optional riders may have limitations, restrictions, and additional charges.
Ameritas Income 10 Index Annuity and Ameritas Accumulation 7 Index Annuity are flexible premium deferred annuities that offer a fixed interest option and index interest options. The index options are not securities; your client is not investing in stocks or in the indexes themselves. Therefore, credited interest does not include dividends paid by companies included in the relevant index. The credited interest rate is linked, in part, to gains in any combination of indexes. Keep in mind, your client is not actually participating in the market or investing in any stock or bond.
Withdrawals may be taxable and, if taken prior to age 59 ½, a 10% penalty tax may also apply. The information presented here is not intended as tax or other legal advice. For application of this information to your client’s specific situation, your client should consult an attorney.
The S&P 500® Sector Rotator Daily RC2 5% Index has limited historical information having launched on 10/19/2018 and 3/27/2017, respectively. For more information about the S&P 500® Sector Rotator Daily RC2 5% Index, visit https://www.spglobal.com/spdji/en/ indices/strategy/sp-500-sector-rotator-daily-rc2-5-index/#overview. The S&P 500® and the S&P 500® Sector Rotator Daily RC2 5% are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by Ameritas Life Insurance Corp. S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). Ameritas Life Insurance Corp.’s index products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P®, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500® or S&P 500® Sector Rotator Daily RC2 5%.
The Ameritas index annuities have been developed solely by Ameritas Life Insurance Corp.
The Ameritas index annuities are not in any way connected to or sponsored, endorsed, sold or promoted by the London Stock Exchange Group plc and its group undertakings (collectively, the “LSE Group”). FTSE Russell is a trading name of certain of the LSE Group companies. All rights in the Russell 2000® (the “Index”) vest in the relevant LSE Group company which owns the Index. The Index is a trademark of the relevant LSE Group company and are used by any other LSE Group company under license. The Index is calculated by or on behalf of FTSE International Limited or its affiliate, agent or partner. The LSE Group does not accept any liability whatsoever to any person arising out of (a) the use of, reliance on or any error in the Index or (b) investment in or operation of the Ameritas index annuities. The LSE Group makes no claim, prediction, warranty or representation either as to the results to be obtained from the Ameritas index annuities or the suitability of the Index for the purpose to which it is being put by Ameritas Life Insurance Corp. and its affiliates. The Ameritas index annuities are not in any way connected to or sponsored, endorsed, sold or promoted by the London Stock Exchange Group plc and its group undertakings (collectively, the “LSE Group”). The LSE Group does not accept any liability whatsoever to any person arising out of the use of Ameritas index annuities or the underlying data.
The MSCI EAFE® is a service mark of MSCI, Inc. or its affiliates (MSCI) and has been licensed for use by Ameritas Life Insurance Corp. and its affiliates. The Ameritas index annuities are not sponsored, endorsed, sold or promoted by MSCI and MSCI makes no representation regarding the advisability of purchasing the insurance product. MSCI bears no liability with respect to the Ameritas index annuities or to any index upon which the index annuities is based. The Ameritas index annuities contract contains a more detailed description of the limited relationship MSCI has with Ameritas Life Insurance Corp., its affiliates and the Ameritas index annuities.