Fixed index annuity review and rates

Ameritas (Legacy Marketing Group) FlexMark Select LT (FL Only)

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. 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: FL

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
280% Participation
2-Year US Innovative Leaders 5 PTP Participation Rate
Point to Point
Biennial
230% 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 9% 9% 8% 7% 6% 5% 4% 3% 2% 1%

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)
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
$25,000
Types of funds
Non-Qualified, 401k, IRA, 401a, SEP IRA, IRA-Roth, SIMPLE IRA, 457 plan, and TSP