Ameritas (Legacy Marketing Group) FlexMark Select LT Plus Rate & Reviews

Ameritas (Legacy Marketing Group) FlexMark Select LT Plus

FlexMark Select LT Plus 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: AK, CA, CT, DE, HI, IN, MA, MN, MO, NV, NH, NJ, NM, OH, OK, OR, PA, SC, TX, UT, and WA

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	3.85% Fixed
1-Year BNPP Momentum 5 PTP Participation Rate	Point to Point Annual	165% Participation
1-Year BNPP Momentum 5 PTP Participation Rate	Point to Point Annual	210% Participation
2-Year BNPP Momentum 5 PTP Participation Rate	Point to Point Biennial	220% Participation
2-Year BNPP Momentum 5 PTP Participation Rate	Point to Point Biennial	265% Participation
1-Year Russell 2000 PTP Cap	Point to Point Annual	7.9% Cap
1-Year Russell 2000 PTP Cap	Point to Point Annual	10.1% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	8.3% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	10.1% Cap
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	45% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	57% Participation
1-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Annual	200% Participation
1-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Annual	155% Participation
2-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Biennial	265% Participation
2-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Biennial	215% Participation
1-Year Fixed Account	Fixed	4% Fixed
1-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Annual	205% Participation
1-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Annual	165% Participation
2-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Biennial	275% Participation
2-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Biennial	220% 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	215% Participation
2-Year BNPP Momentum 5 PTP Participation Rate	Point to Point Biennial	225% 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	8.05% Cap
1-Year Russell 2000 PTP Cap	Point to Point Annual	10.35% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	8.6% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	10.45% Cap
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	47% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	59% 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 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)
Flexmark Select Plus Basic Income Rider	Yes	None