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:
  • 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
3.25% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
6.8% Cap
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
6.5% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.4% Cap
1-Year Russell 2000 PTP Cap
Point to Point
Annual
6% Cap
1-Year Russell 2000 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
6.7% Cap
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
6.6% Cap
1-Year MSCI EAFE PTP Monthly Average Cap
Point to Point
Annual
Monthly average
7.3% Cap
1-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate
Point to Point
Annual
125% Participation
2-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate
Point to Point
Annual
170% Participation
1-Year Fixed Account
Fixed
3.6% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.4% Cap
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
7.15% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.6% Cap
1-Year Russell 2000 PTP Cap
Point to Point
Annual
6.65% Cap
1-Year Russell 2000 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
7.3% Cap
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
7.15% Cap
1-Year MSCI EAFE PTP Monthly Average Cap
Point to Point
Annual
Monthly average
7.95% Cap
1-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate
Point to Point
Annual
135% Participation
2-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate
Point to Point
Annual
180% Participation
1-Year Fixed Account
Fixed
3.8% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.85% Cap
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
7.55% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.8% Cap
1-Year Russell 2000 PTP Cap
Point to Point
Annual
7% Cap
1-Year Russell 2000 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
7.7% Cap
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
7.5% Cap
1-Year MSCI EAFE PTP Monthly Average Cap
Point to Point
Annual
Monthly average
8.35% Cap
1-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate
Point to Point
Annual
140% Participation
2-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate
Point to Point
Annual
185% Participation
1-Year Fixed Account
Fixed
3.85% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
8% Cap
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
7.65% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.85% Cap
1-Year Russell 2000 PTP Cap
Point to Point
Annual
7.1% Cap
1-Year Russell 2000 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
7.8% Cap
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
7.6% Cap
1-Year MSCI EAFE PTP Monthly Average Cap
Point to Point
Annual
Monthly average
8.45% Cap
1-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate
Point to Point
Annual
145% Participation
2-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate
Point to Point
Annual
190% 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)
Ameritas Life Insurance Corp.
Founded: 1887
A.M. Best: A
S&P: A
Carrier details
Free withdrawal
1st year: 0%
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