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)
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
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