Ameritas (Legacy Marketing Group) FlexMark Select Rate & Reviews

Ameritas (Legacy Marketing Group) FlexMark Select

FlexMark Select annuities are all about flexibility and choice. Clients can tailor their FlexMark Select annuity to fit their need for accumulation and/or retirement income strategies. They can choose a bonus or no-bonus product and upgrade from a no-cost GLWB income rider to a for-cost GLWB rider that offers a stronger “roll-up” rate, lifestyle, and level payout options, and an optional income booster. The diverse interest crediting options, with the option to receive higher participation and/or cap rates for a fee, provide additional flexibility.

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

Available in states: AL, AZ, AR, CO, DC, FL, GA, IL, IA, KS, KY, LA, ME, MD, MI, MS, MT, NE, NC, ND, RI, SD, TN, VT, VA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	4.1% Fixed
1-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Annual	165% Participation
1-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Annual	210% Participation
2-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Biennial	230% Participation
2-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Biennial	280% Participation
1-Year BNPP Momentum 5 PTP Participation Rate	Point to Point Annual	175% Participation
1-Year BNPP Momentum 5 PTP Participation Rate	Point to Point Annual	220% Participation
2-Year BNPP Momentum 5 PTP Participation Rate	Point to Point Biennial	235% Participation
2-Year BNPP Momentum 5 PTP Participation Rate	Point to Point Biennial	280% Participation
1-Year Russell 2000 PTP Cap	Point to Point Annual	8.35% Cap
1-Year Russell 2000 PTP Cap	Point to Point Annual	10.7% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	8.75% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	10.6% Cap
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	48% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	60% Participation
1-Year Fixed Account	Fixed	4.25% Fixed
1-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Annual	215% Participation
1-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Annual	175% Participation
2-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Biennial	290% Participation
2-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Biennial	235% Participation
1-Year BNPP Momentum 5 PTP Participation Rate	Point to Point Annual	185% Participation
1-Year BNPP Momentum 5 PTP Participation Rate	Point to Point Annual	225% Participation
2-Year BNPP Momentum 5 PTP Participation Rate	Point to Point Biennial	240% Participation
2-Year BNPP Momentum 5 PTP Participation Rate	Point to Point Biennial	295% Participation
1-Year Russell 2000 PTP Cap	Point to Point Annual	8.5% Cap
1-Year Russell 2000 PTP Cap	Point to Point Annual	10.95% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	9.1% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	10.95% Cap
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	50% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	62% Participation

Surrender schedule

Year	1	2	3	4	5	6	7	8	9	10
Penalty	10%	10%	10%	9%	9%	8%	7%	6%	4%	2%

Riders

Name	Inbuilt	Fee
Flexmark Basic Income Rider	Yes	None
Flexmark MyFit Income Rider	No	1.15% annually (2.00% max)
Flexmark MyFit Income Rider with Booster	No	1.25% annually (2.00% max)
Flexmark MyFit Income Rider (Lifestyle Payout)	No	1.15% annually (2.00% max)
Flexmark MyFit Income Rider with Booster (Lifestyle Payout)	No	1.25% annually (2.00% max)