Fixed index annuity review and rates
Ameritas Accumulation 7 Index with 5-Year Surrender
Whether you’ll need your savings for retirement, an emergency fund or to leave more for loved ones, it will take careful planning to help ensure your goals are met. Adding Ameritas Accumulation 7 Index Annuity, a flexible premium deferred annuity, to your plan may help you overcome today’s challenges, including low interest rates, market downturns, rising health care expenses and longer life expectancies.
Accumulation 7 IA provides:
Accumulation 7 IA provides:
- Features to grow your savings.
- Access to your money if you need it.
- Options to leave a legacy.
Available in states:
AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
4.15%
Fixed
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
8.8%
Cap
|
| 1-Year S&P 500 PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
9.5%
Cap
|
| 1-Year S&P 500 PTP Monthly Sum Cap |
Point to Point
Annual
Monthly sum
|
2.75%
Cap
|
| 1-Year Russell 2000 PTP Cap |
Point to Point
Annual
|
8.25%
Cap
|
| 1-Year Russell 2000 PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
9.7%
Cap
|
| 1-Year MSCI EAFE PTP Cap |
Point to Point
Annual
|
9.3%
Cap
|
| 1-Year MSCI EAFE PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
10.55%
Cap
|
| 1-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate |
Point to Point
Annual
|
160%
Participation
|
| 2-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate |
Point to Point
Annual
|
220%
Participation
|
| 1-Year Fixed Account |
Fixed
|
4.5%
Fixed
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
9.4%
Cap
|
| 1-Year S&P 500 PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
10.15%
Cap
|
| 1-Year S&P 500 PTP Monthly Sum Cap |
Point to Point
Annual
Monthly sum
|
2.95%
Cap
|
| 1-Year Russell 2000 PTP Cap |
Point to Point
Annual
|
8.9%
Cap
|
| 1-Year Russell 2000 PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
10.3%
Cap
|
| 1-Year MSCI EAFE PTP Cap |
Point to Point
Annual
|
9.85%
Cap
|
| 1-Year MSCI EAFE PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
11.2%
Cap
|
| 1-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate |
Point to Point
Annual
|
170%
Participation
|
| 2-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate |
Point to Point
Annual
|
230%
Participation
|
| 1-Year Fixed Account |
Fixed
|
4.7%
Fixed
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
9.85%
Cap
|
| 1-Year S&P 500 PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
10.55%
Cap
|
| 1-Year S&P 500 PTP Monthly Sum Cap |
Point to Point
Annual
Monthly sum
|
3.15%
Cap
|
| 1-Year Russell 2000 PTP Cap |
Point to Point
Annual
|
9.25%
Cap
|
| 1-Year Russell 2000 PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
10.7%
Cap
|
| 1-Year MSCI EAFE PTP Cap |
Point to Point
Annual
|
10.2%
Cap
|
| 1-Year MSCI EAFE PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
11.6%
Cap
|
| 1-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate |
Point to Point
Annual
|
175%
Participation
|
| 2-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate |
Point to Point
Annual
|
235%
Participation
|
| 1-Year Fixed Account |
Fixed
|
4.75%
Fixed
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
10%
Cap
|
| 1-Year S&P 500 PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
10.65%
Cap
|
| 1-Year S&P 500 PTP Monthly Sum Cap |
Point to Point
Annual
Monthly sum
|
3.2%
Cap
|
| 1-Year Russell 2000 PTP Cap |
Point to Point
Annual
|
9.35%
Cap
|
| 1-Year Russell 2000 PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
10.8%
Cap
|
| 1-Year MSCI EAFE PTP Cap |
Point to Point
Annual
|
10.3%
Cap
|
| 1-Year MSCI EAFE PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
11.7%
Cap
|
| 1-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate |
Point to Point
Annual
|
180%
Participation
|
| 2-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate |
Point to Point
Annual
|
240%
Participation
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 |
|---|---|---|---|---|---|
| Penalty | 9% | 9% | 8% | 7% | 5% |
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| Enhanced Death Benefit Rider | No | None |
| 5-Year Surrender Charge Rider | Yes | 0.15% annually (0.00% after 5 years) (0.18% max) |
Brochure
Free withdrawal
1st year: 0%
2nd+ year: 10%
2nd+ year: 10%
Surrender schedule
5 years
Return of premium
Market value adjustment
Minimum contribution
$10,000
Types of funds
Non-Qualified, 401k, IRA, 401a, SEP IRA, KEOGH, IRA-Roth, SIMPLE IRA, and 457 plan