Fixed index annuity review and rates
Ameritas Income 10 Index Annuity
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
3.95%
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
|
9.05%
Cap
|
| 1-Year S&P 500 PTP Monthly Sum Cap |
Point to Point
Annual
Monthly sum
|
2.45%
Cap
|
| 1-Year Russell 2000 PTP Cap |
Point to Point
Annual
|
8%
Cap
|
| 1-Year Russell 2000 PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
9.5%
Cap
|
| 1-Year MSCI EAFE PTP Cap |
Point to Point
Annual
|
8.95%
Cap
|
| 1-Year MSCI EAFE PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
10.2%
Cap
|
| 1-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate |
Point to Point
Annual
|
160%
Participation
|
| 2-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate |
Point to Point
Biennial
|
220%
Participation
|
| 1-Year Fixed Account |
Fixed
|
4.3%
Fixed
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
8.45%
Cap
|
| 1-Year S&P 500 PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
9.65%
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
|
8.65%
Cap
|
| 1-Year Russell 2000 PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
10.1%
Cap
|
| 1-Year MSCI EAFE PTP Cap |
Point to Point
Annual
|
9.5%
Cap
|
| 1-Year MSCI EAFE PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
10.85%
Cap
|
| 1-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate |
Point to Point
Annual
|
170%
Participation
|
| 2-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate |
Point to Point
Biennial
|
230%
Participation
|
| 1-Year Fixed Account |
Fixed
|
4.5%
Fixed
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
8.9%
Cap
|
| 1-Year S&P 500 PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
10.05%
Cap
|
| 1-Year S&P 500 PTP Monthly Sum Cap |
Point to Point
Annual
Monthly sum
|
3%
Cap
|
| 1-Year Russell 2000 PTP Cap |
Point to Point
Annual
|
9%
Cap
|
| 1-Year Russell 2000 PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
10.5%
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
|
11.25%
Cap
|
| 1-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate |
Point to Point
Annual
|
175%
Participation
|
| 2-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate |
Point to Point
Biennial
|
235%
Participation
|
| 1-Year Fixed Account |
Fixed
|
4.55%
Fixed
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
9%
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
|
3.05%
Cap
|
| 1-Year Russell 2000 PTP Cap |
Point to Point
Annual
|
9.1%
Cap
|
| 1-Year Russell 2000 PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
10.6%
Cap
|
| 1-Year MSCI EAFE PTP Cap |
Point to Point
Annual
|
9.95%
Cap
|
| 1-Year MSCI EAFE PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
11.35%
Cap
|
| 1-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate |
Point to Point
Annual
|
180%
Participation
|
| 2-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate |
Point to Point
Biennial
|
240%
Participation
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Penalty | 9% | 9% | 8% | 7% | 6% | 5% | 4% | 3% | 2% | 1% |
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| Income Protector Rider | No | 1.00% annually (2.00% max) |
| Income Builder Rider | Yes | 1.00% annually (2.00% max) |
| Income Protector Plus Rider | No | 1.00% annually (2.00% max) |
| Income Builder Plus Rider | Yes | 1.00% annually (2.00% max) |
Brochure
Free withdrawal
1st year: 0%
2nd+ year: 10%
2nd+ year: 10%
Surrender schedule
10 years
Return of premium
Market value adjustment
Minimum contribution
$10,000
Types of funds
Non-Qualified, IRA, SEP IRA, IRA-Roth, and SIMPLE IRA