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Best Guaranteed Annuity Rates
2-Year
5.25%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

Ameritas Accumulation 7 Index with 5-Year Surrender

In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.

Get an annuity today!

Learn how an annuity can provide guaranteed income for life.

Whether you’ll need your savings for retirement, an emergency fund or to leave more for loved ones, it will take careful planning to help ensure your goals are met. Adding Ameritas Accumulation 7 Index Annuity, a flexible premium deferred annuity, to your plan may help you overcome today’s challenges, including low interest rates, market downturns, rising health care expenses and longer life expectancies. 

Accumulation 7 IA provides:
  • Features to grow your savings. 
  • Access to your money if you need it. 
  • Options to leave a legacy. 
Available in states: AL, AK, AZ, AR, CA, 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
3.95% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.8% Cap
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
8.75% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.15% Cap
1-Year Russell 2000 PTP Cap
Point to Point
Annual
7.4% Cap
1-Year Russell 2000 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
9.1% Cap
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
7.65% Cap
1-Year MSCI EAFE PTP Monthly Average Cap
Point to Point
Annual
Monthly average
9.05% Cap
1-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate
Point to Point
Annual
150% Participation
2-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate
Point to Point
Annual
210% Participation
1-Year Fixed Account
Fixed
4.3% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
8.4% Cap
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
10.25% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.35% Cap
1-Year Russell 2000 PTP Cap
Point to Point
Annual
8.2% Cap
1-Year Russell 2000 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
10.25% Cap
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
8.5% Cap
1-Year MSCI EAFE PTP Monthly Average Cap
Point to Point
Annual
Monthly average
11.65% Cap
1-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate
Point to Point
Annual
165% Participation
2-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate
Point to Point
Annual
225% Participation
1-Year Fixed Account
Fixed
4.5% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
8.85% Cap
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
11.05% 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
8.6% Cap
1-Year Russell 2000 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
10.95% Cap
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
9% Cap
1-Year MSCI EAFE PTP Monthly Average Cap
Point to Point
Annual
Monthly average
13% Cap
1-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate
Point to Point
Annual
170% Participation
2-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate
Point to Point
Annual
230% Participation
1-Year Fixed Account
Fixed
4.55% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
9% Cap
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
11.15% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.5% Cap
1-Year Russell 2000 PTP Cap
Point to Point
Annual
8.7% Cap
1-Year Russell 2000 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
11.05% Cap
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
9.15% Cap
1-Year MSCI EAFE PTP Monthly Average Cap
Point to Point
Annual
Monthly average
13.75% Cap
1-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate
Point to Point
Annual
175% Participation
2-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate
Point to Point
Annual
235% Participation

Surrender schedule

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

Riders

Name Inbuilt Fee
Enhanced Death Benefit Rider No
5-Year Surrender Charge Rider Yes 0.15% annually (0.00% after 5 years) (0.18% max)