Indexed Annuities
Adding an indexed annuity, issued by Ameritas Life Insurance Corp., to your retirement income plan may help you overcome today’s retirement challenges, including low interest rates, market downturns and longer life expectancies.
Designed with you in mind.
Depend on an indexed annuity for market potential with principal protection.
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.1 A market index is like a scoreboard measuring the performance of a specific group of investments, like stocks, bonds or other assets.
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.
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Money that lasts as long as you do
Compared to earlier generations, you can expect to live a longer, healthier life. That means the money you have for retirement needs to last longer too.
When you’re ready to start spending the money in your annuity, you decide how often and for how long you’d like to receive payments. You may be able to choose to have payments last the rest of your life, which guarantees2 that you won’t outlive your money.
Our indexed annuity products
Income 10 Index Annuity
This annuity focuses on the phase when you begin to spend the money in your annuity.
- It offers two Guaranteed Lifetime Withdrawal Benefit riders2 that define how much money you’ll receive from your policy once you retire. Use this calculator to see what your payments would be.
- Allows you to keep control of your account and to continue to earn interest, even after you start making your withdrawals.
- Both riders offer a booster that will double your withdrawal amount if you’re unable to perform two of six activities of daily living (bathing, dressing, toileting, transferring, continence and feeding).
Accumulation 7 Index Annuity
This annuity focuses on the saving phase of an annuity.
- If you’re saving to leave an inheritance to loved ones, it offers a choice of death benefit riders that provide the potential to increase the amount of your policy’s death benefit.
- Provides you with multiple ways to access your money.
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Added flexibility
Both Income 10 and Accumulation 7 offer added choices to help meet your needs.
Penalty free options
- You can withdraw 10% of your beginning-of-year accumulation value each policy year after the first year without incurring penalties (taxes and tax penalties may still apply).
- You can also withdraw your money if you experience certain declines in your health, such as being confined to a nursing home, requiring home health care and being diagnosed with a terminal illness, without incurring penalties (taxes and tax penalties may still apply3).
Select your index options
- You may choose any combination of four equity indexes. Earnings based on index options are calculated using different methods, depending on the indexes you choose.
- You also have the option to allocate all or part of your money to a fixed account, which offers a guaranteed interest rate.
How do I get an indexed annuity?
If you think an indexed annuity might be a good fit for your situation, reach out to your financial professional or we can help you find one.
1 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.
2 Guarantees based on the claims-paying ability of the issuing company.
3 Withdrawals of policy earnings are 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.
Policy, index strategies and riders may vary and may not be available in all states. Optional riders may have limitations, restrictions, and additional charges.