Ameritas (Legacy Marketing Group) ApexAdvantage Rate & Reviews

Ameritas (Legacy Marketing Group) ApexAdvantage

ApexAdvantage is a 10-year modified single premium deferred fixed index annuity. ApexAdvantage is designed to help generate the income you need to accelerate your retirement. While income you can’t outlive is vital, it’s equally important to grow your money. ApexAdvantage offers strong growth potential and valuable guarantees to help protect your funds from market downturns.

Please note this product is developed and marketed exclusively with Legacy Marketing Group.

Available in states: AL, AK, AZ, AR, 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	4.1% Fixed
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	35% Participation
1-Year S&P MARC 5% ER PTP Participation Rate	Point to Point Annual	165% Participation
2-Year S&P MARC 5% ER PTP Participation Rate	Point to Point Biennial	225% Participation
1-Year BNPP US Governance Multi Asset PTP Participation Rate	Point to Point Annual	180% Participation
2-Year BNPP US Governance Multi Asset PTP Participation Rate	Point to Point Biennial	255% 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
FutureNow Rider Level	No	1.25% annually (2.50% after 10 years) (2.50% max)
FutureNow Rider Increasing	No	1.25% annually (2.50% after 10 years)
FutureNow Rider Increasing With Booster	No	1.35% annually (2.50% after 10 years)
FutureNow Rider Level With Booster	No	1.35% annually (2.50% after 10 years)