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Variable Annuity Benefits for Your Clients

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competitive term life insurance

Help clients pursue market growth potential with low costs and key annuity benefits

Variable annuities can be an integral part of a client’s long-term retirement planning strategies. Variable annuities from Ameritas provide the benefit of tax-deferral, professionally managed investment options, a guaranteed death benefit and potential guaranteed retirement income.1

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

Ameritas brings both together to help you grow your variable annuity business.

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

Common client conversations for variable annuities

Variable annuities are designed for clients comfortable taking on market risk in pursuit of greater long-term growth potential, but who still value features commonly associated with annuities. They provide access to professionally managed investment options while offering benefits such as tax-deferred growth, retirement income options and death benefit protection. Key features include:

Fee-based annuity, designed with RIAs in mind.

Features one of the industry's lowest M&E charges of just 0.45% (0.80% maximum) and no sales loads.

No withdrawal charges so clients have 100% liquidity from day one.

Online trading and list trading up to 50 policies at a time with no limit on the number of transfers.2

More than 70 investment options, including funds from Vanguard, Dimensional Fund Advisors and American Funds.

Ameritas Advisor No-Load VA

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How do variable annuities compare with other retirement planning options?

Clients often compare variable annuities with other traditional investment products. While those options may provide market exposure, variable annuities pair growth potential with retirement-focused benefits that can help address multiple planning goals.

Assets are invested in professionally managed investment options, allowing clients to participate in market performance.

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

Optional annuitization can help provide guaranteed1 income in retirement.

The Ameritas Advisor No-Load VA has no withdrawal charges, providing flexibility when needs change.

More than 70 investment options allow clients to build a portfolio aligned with their goals and risk tolerance.

Death benefit features can help clients pass assets to beneficiaries.

Frequently asked questions

What is a variable annuity?
A variable annuity is a long-term retirement planning product that offers tax-deferred growth through professionally managed investment options. Because assets are invested in the market, contract value can rise or fall based on investment performance.
What are the benefits of a variable annuity?
Variable annuities combine market growth potential with benefits commonly associated with annuities, including tax-deferred growth, retirement income options and death benefit protection.
Why would a client choose a variable annuity instead of a taxable investment account?
A variable annuity provides access to professionally managed investment options while also offering benefits that may not be available in a taxable account, such as tax-deferred growth, guaranteed income options and death benefit features.
Who may benefit from a variable annuity?
Variable annuities are often considered by clients who are comfortable taking on market risk, want long-term growth potential and value retirement-focused features beyond what traditional investment accounts typically offer.
How does a variable annuity provide retirement income?
Optional annuitization can help convert assets into a predictable income stream that can last for a specified period or for life, depending on the option selected.
Can clients access money from a variable annuity?
The Ameritas Advisor No-Load VA has no withdrawal charges, providing liquidity and flexibility, although withdrawals may be taxable and subject to applicable penalties.
What investment options are available within a variable annuity?
The Ameritas Advisor No-Load VA offers more than 70 investment options, including funds from well-known investment managers.

Sound like what you’re looking for?

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

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1Guarantees are based upon the claims-paying ability of Ameritas Life Insurance Corp. and do not apply to the investment performance or account value of the underlying variable portfolios.

2Contractually, we reserve the right to charge a $10 fee for each transfer after 15 transfers in a policy year and there may be restrictions on excessive trading.

Loans and withdrawals will reduce the policy’s death benefit and available cash value. Excessive loans or withdrawals may cause the policy to lapse. Unpaid loans are treated as a distribution for tax purposes and may result in taxable income.

In approved states, Ameritas Advisor No-Load VA (form 6150; in Oregon forms 6150 OR and 6150 OR (UNI)) is issued by Ameritas Life Insurance Corp. and underwritten by affiliate, Ameritas Investment Company, LLC.

Variable annuities are suitable for long-term investing and are subject to investment risk, including possible loss of principal. Before investing, carefully consider the investment objectives, risks, fees and other important information about the policy issuer and underlying investment options. This information can be found in the policy and investment option prospectuses. You can obtain copies on this website. Read the prospectuses carefully before investing.

Policy and riders may vary and may not be available in all states. Not all riders can be used in combination.