Ameritas Income 10 Index Annuity Income Calculator
Income Protector and Income Builder Riders
Ameritas Income 10 Index Annuity with the Income Protector Rider or Income Builder Rider helps provide guaranteed lifetime income. Before investing, talk with your Ameritas representative to see if an index annuity is right for you.
Use our simple calculator to see a guaranteed scenario for Ameritas Income 10 Index Annuity with the Income Protector Rider or Income Builder Rider.
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Calculator Parameters
Rider Option
Or
*Required
Calculator Results
Protector Rider
Single: 1.00% current (2.00% max)
Joint Spousal: 1.00% current (2.50% max)
Initial Premium:
Value
Base
Factor
Benefits
Builder Rider
Single: 1.00% current (2.00% max)
Joint Spousal: 1.00% current (2.50% max)
Initial Premium:
Value
Base
Factor
Benefits
Calculator Assumptions
The illustrated values above assume a level growth rate at the amount input. Actual policy growth will be dependent upon the interest crediting methods chosen, actual index performance, and actual fixed account rates and/or index cap rates and index participation rates.
Income Protector and Income Builder
Current annual charge rates are 1.00% of rider charge base for both Guaranteed Lifetime Withdrawal Benefit (GLWB) riders. Actual rider charge rates may change upon rider anniversary, but will never exceed the maximum rider charge rates (2.00% for single life / 2.50% for joint spousal).
Income Protector
- Guaranteed Premium Accumulation Rate (roll-up rate) of 7.00% for first 10 years.
- Premium Accumulation Value grows at 100% of interest credits after year 10.
- Provides a level guaranteed Lifetime Withdrawal Benefit Amount (LWBA) in withdrawal phase assuming no excess withdrawals.
- The Benefit Base may also increase with additional premium or with step-up on anniversary, which will increase the LWBA.
Income Builder
- Guaranteed Premium Accumulation Rate (roll-up rate) of 3.00% plus 200% of the interest credits for the first 10 years.
- Premium Accumulation Value grows at 100% of interest credits after year 10.
- Provides a level guaranteed LWBA in withdrawal phase assuming no excess withdrawals.
- Benefit Base will increase during the withdrawal phase by 100% of the interest credits; this will increase the LWBA since the Benefit Base increases.
The Principal Protector Credit (PPC) compares the policy’s earnings to the GLWB charges and credits the difference every four-year period. The LWBA is determined by Lifetime Distribution Factors that correspond to the rider option, issue age(s), age at which income starts, and underlying GLWB riders shown.
Protect your financial freedom
A financial professional can help you design an index annuity that’s right for you.
Are you an industry professional?
We will have someone get back to you with more information on our annuity products and how to start selling.
An index annuity can be an integral part of your long-term retirement planning strategy, providing direction to help you overcome unnecessary risks and an important optional benefit to help protect your financial future. Index annuities provide a tax-deferral benefit that can work well with your goal of investing for retirement.
This information is provided to you as educational content. These calculations assume no additional purchase payments or withdrawals. They are not intended to predict or project policy and surrender values. This quote is not an offer of a contract.
Guarantees are based upon the claims-paying ability of Ameritas Life Insurance Corp. Withdrawals are subject to taxation and may result in federal tax penalties if taken before age 59 ½. The Income Rider is not available on previously issued business and is subject to additional limitations, restrictions and conditions. 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.
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.’ to ‘In approved states, Ameritas Income 10 Index Annuity (form ICC18 2706 with ICC18 2706-SCH10 or 2706 with 2706-SCH10) and riders are issued by Ameritas Life Insurance Corp. In Oregon and Idaho, Ameritas Income 10 Index Annuity (form ICC18 2706 8-18 with ICC19 2706-SCH10 1-19), Index Option Rider (form ICC18 IOR 8-18), Guaranteed Lifetime Withdrawal Benefit Rider (form ICC19 GLWB 1-19) and Guaranteed Lifetime Withdrawal Benefit Plus Rider (form ICC19 GLWBP 1-19). 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 is a flexible premium deferred annuity that offers 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.
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