Fixed index annuity review and rates

Ameritas Income 10 Index Annuity

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.05% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
5.85% Cap
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
6.05% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.1% Cap
1-Year Russell 2000 PTP Cap
Point to Point
Annual
5.75% Cap
1-Year Russell 2000 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
6.5% Cap
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
6.25% Cap
1-Year MSCI EAFE PTP Monthly Average Cap
Point to Point
Annual
Monthly average
6.95% Cap
1-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate
Point to Point
Annual
125% Participation
2-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate
Point to Point
Biennial
170% Participation
1-Year Fixed Account
Fixed
3.4% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
6.45% Cap
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
6.65% 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
6.4% Cap
1-Year Russell 2000 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
7.1% Cap
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
6.8% Cap
1-Year MSCI EAFE PTP Monthly Average Cap
Point to Point
Annual
Monthly average
7.6% Cap
1-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate
Point to Point
Annual
135% Participation
2-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate
Point to Point
Biennial
180% Participation
1-Year Fixed Account
Fixed
3.6% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
6.9% Cap
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
7.05% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.65% Cap
1-Year Russell 2000 PTP Cap
Point to Point
Annual
6.75% Cap
1-Year Russell 2000 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
7.5% 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
8% Cap
1-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate
Point to Point
Annual
140% Participation
2-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate
Point to Point
Biennial
185% Participation
1-Year Fixed Account
Fixed
3.65% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
7% 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
2.7% Cap
1-Year Russell 2000 PTP Cap
Point to Point
Annual
6.85% Cap
1-Year Russell 2000 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
7.6% Cap
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
7.25% Cap
1-Year MSCI EAFE PTP Monthly Average Cap
Point to Point
Annual
Monthly average
8.1% Cap
1-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate
Point to Point
Annual
145% Participation
2-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate
Point to Point
Biennial
190% 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