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) |
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