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index annuities

Safety and growth potential

To live life to its fullest you have to be financially prepared. At Ameritas, we believe it’s possible to be prepared for retirement. And annuities can help.

Imagine having the safety of principal with the opportunity to grow your money. You can have both with an index annuity—a product designed to give you the potential for growth without the risks of a loss of principal or cash value.

Income for Retirement

To help you determine what you may need for retirement, use one of our simple calculators to see a guaranteed* income scenario with the Ameritas Income 10 Index Annuity or Compass Index Annuity with the Guaranteed Lifetime Withdrawal Benefit (GLWB) rider.

Ameritas Income 10 Index Annuity Retirement Calculator

Compass Index Annuity Retirement Calculator

Upside Potential

Your policy can build cash value over time to help you be ready for life’s opportunities or obstacles. The interest that is credited is linked, in part, to the performance of your choice of the available equity indexes or the fixed interest rate of a fixed account. If you prefer, you can even choose a combination of the index account or fixed account.

No matter which option you select, all of your earnings will grow tax-deferred, which means you won’t pay income taxes until you make a withdrawal. At that time your withdrawals will be taxed as ordinary income. If you are younger than age 59½ when you make a withdrawal, an IRS penalty tax may apply.

Downside Protection

Although an index annuity provides the potential for interest accumulation linked, in part, to a fixed index, you’re not investing in stocks or the index itself so you won’t receive dividends, but you have protection. Your annuity’s account value is protected from market loss. It is guaranteed never to decrease because of market volatility or index performance.

Living life to its fullest takes some financial preparation. Only an index annuity can offer upside potential with downside protection and, with a GLWB rider, guarantees you an income you cannot outlive. Learn more by contacting a financial professional and reviewing the product materials.

Ameritas Accumulation 7 Index Annuity Download PDF

Ameritas Income 10 Index Annuity Download PDF

Compass Index Annuity Download PDF


In approved states, Ameritas Accumulation 7 Index Annuity (form 2706 with 2706-SCH7), Ameritas Income 10 Index Annuity (form 2706 with 2706-SCH10), Compass Index Annuity (form 2704) 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.

*Guarantees are based on the claims-paying ability of Ameritas Life Insurance Corp. 

Ameritas Accumulation 7 Index Annuity, Ameritas Income 10 Index Annuity, and Compass Index Annuity are flexible premium deferred annuities that offer a fixed interest option and index interest options. Annuities with index options may be referred to as equity index annuities. The index options are not securities; you are 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, you are 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 specific situation, you should consult an attorney.

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