Indexed Annuity Benefits for Your Clients
Help clients plan for income, growth potential and long-term flexibility
When you’re deciding where to place your annuity business, you need indexed 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 indexed annuity business.
Learn more about what it’s like working with Ameritas.
Strategies aligned to real client situations
Different indexed annuities support different retirement priorities. The goal is to match the right product to a client’s income, accumulation and legacy planning needs.
These scenarios reflect how indexed annuities are often used in client conversations.
Clients looking for guaranteed* retirement income
Designed for clients who want guaranteed lifetime income with flexibility to prioritize either stronger guarantees or greater growth potential. Key features include:
- Two GLWB rider options: Income Protector and Income Builder.
- Optional GLWB booster feature that can double income when a covered person is unable to perform at least two of six activities of daily living.
- Principal Protection Credit feature.
Clients ready to start income soon
Designed for clients who are ready to turn retirement assets into guaranteed lifetime income, with payments available as soon as 30 days after issue. Key features include:
- Includes an immediate income benefit base bonus and a compound roll-up for the first three years.
- Two GLWB options: level or increasing, with single or joint coverage.
- Optional GLWB booster feature that can double income when a covered person is unable to perform at least two of six activities of daily living.
Clients focused on long-term growth potential
Designed for clients who want long-term growth potential, access to assets and options to leave a legacy. Key features include:
- Five- or seven-year surrender charge schedule options.
- Two enhanced death benefit riders.
- Competitive rate banding.
How do indexed annuities compare with other retirement options?
Clients often compare indexed annuities with other retirement planning options. Their combination of features can provide benefits that may not be available through other financial products.
- Tax-deferred Growth
- Market Protection
- Guaranteed Retirement Income
- Access to Assets
- Legacy Planning
Interest credited within an index annuity grows tax-deferred until withdrawals are taken, which may help clients accumulate more assets over time.
A built-in floor helps ensure market declines do not result in negative interest credits, which can appeal to clients seeking greater stability.
Income riders and annuitization options can help clients turn assets into guaranteed lifetime income. The optional GLWB booster feature can double income when a covered person is unable to perform at least two of six activities of daily living.
While designed for long-term retirement planning, certain products offer withdrawal features and waiver of surrender charge riders that can help clients access assets if unexpected needs arise.
Death benefit features available on certain products can help clients pass assets to beneficiaries while supporting their own retirement objectives.
Frequently asked questions
What is an indexed annuity?
Indexed annuities give you the potential to earn higher returns with an interest rate that’s linked, in part, to
the performance of one or more market indexes.
You’re not investing in an actual index, so you’re protected from market losses. You won’t lose money due
to negative index performance.
What are the benefits of an indexed annuity?
Indexed annuities can offer tax-deferred growth potential, protection from negative index performance, guaranteed income options, access features and legacy planning opportunities, depending on the product selected.
How do indexed annuities provide retirement income?
Income rider and annuitization options can help provide guaranteed lifetime income.
Are indexed annuities tax-deferred?
Interest credited within an index annuity grows tax-deferred until withdrawals are taken.
Can clients access money from an indexed annuity?
Many products include withdrawal provisions and waiver of surrender charge riders.
How is an indexed annuity different from a fixed annuity?
Fixed annuities typically provide a declared interest rate, while index annuities offer interest crediting linked in part to the performance of one or more market indexes, while protecting against negative index
performance.
Does this sound like what you’re looking for?
Contact us to learn how indexed annuities can fit into your client conversations. We can also help you explore next steps for your business.
Already appointed?
Guarantees are based on the claims paying ability of the issuing company.
In approved states, Ameritas Income 10 Index Annuity (form 2706) and riders are issued by Ameritas Life Insurance Corp. Policy and riders may vary and may not be available in all states.
In approved states, Ameritas ApexAdvantage Index Annuity (form 2707) and riders are issued by Ameritas Life Insurance Corp. Policy and riders may vary and may not be available in all states.
In approved states, Ameritas Accumulation 7 Index Annuity (form 2706) and riders are issued by Ameritas Life Insurance Corp. Policy and riders may vary and may not be available in all states.