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Ameritas Accumulation 7 Index with 5-Year Surrender

The Ameritas Accumulation 7 Index Annuitiy is a friend indeed! It's a fantastic plan that helps manage your retirement money efficiently. Providing reliable income while protecting your hard-earned savings, it's the perfect blend of security and growth!

The 5-Year Surrender is a fantastic catch! If circumstances change, this product allows you to get partial access to your funds without any penalties, adding a valuable safety net to your retirement plan. Plan today, enjoy tomorrow with Ameritas!

Ameritas Accumulation 7 Index with 5-Year Surrender

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About Product

Type

Fixed Index

Purpose

Accumulation & Legacy

Term

5 Years

Surrender schedule

7.75%

6.5%

5.25%

Fee withdrawal:

10%

Flexible premium

Product Life

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$10,000

Maximum Contribution

$2,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, 401k, IRA, IRA Rollover, 401a, IRA Transfer, SEP IRA, KEOGH, IRA-Roth, SIMPLE IRA, and 457 plan

Launch Date

11/19/2018

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	3.6% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	6.6% Cap
1-Year S&P 500 PTP Monthly Average Cap	Point to Point Annual Monthly average	7.05% 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	7.65% Cap
1-Year Russell 2000 PTP Monthly Average Cap	Point to Point Annual Monthly average	8.6% Cap
1-Year MSCI EAFE PTP Cap	Point to Point Annual	6.35% Cap
1-Year MSCI EAFE PTP Monthly Average Cap	Point to Point Annual Monthly average	9.3% Cap
1-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate	Point to Point Annual	130% Participation
2-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate	Point to Point Annual	180% Participation
1-Year Fixed Account	Fixed	3.95% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	7.2% Cap
1-Year S&P 500 PTP Monthly Average Cap	Point to Point Annual Monthly average	8.55% 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	8.45% Cap
1-Year Russell 2000 PTP Monthly Average Cap	Point to Point Annual Monthly average	9.75% Cap
1-Year MSCI EAFE PTP Cap	Point to Point Annual	7.2% Cap
1-Year MSCI EAFE PTP Monthly Average Cap	Point to Point Annual Monthly average	11.9% Cap
1-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate	Point to Point Annual	145% Participation
2-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate	Point to Point Annual	195% Participation
1-Year Fixed Account	Fixed	4.15% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	7.65% Cap
1-Year S&P 500 PTP Monthly Average Cap	Point to Point Annual Monthly average	9.35% 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	8.85% Cap
1-Year Russell 2000 PTP Monthly Average Cap	Point to Point Annual Monthly average	10.45% Cap
1-Year MSCI EAFE PTP Cap	Point to Point Annual	7.7% Cap
1-Year MSCI EAFE PTP Monthly Average Cap	Point to Point Annual Monthly average	13.25% 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	200% Participation
1-Year Fixed Account	Fixed	4.2% 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	9.45% 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	8.95% Cap
1-Year Russell 2000 PTP Monthly Average Cap	Point to Point Annual Monthly average	10.55% Cap
1-Year MSCI EAFE PTP Cap	Point to Point Annual	7.85% Cap
1-Year MSCI EAFE PTP Monthly Average Cap	Point to Point Annual Monthly average	14% Cap
1-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate	Point to Point Annual	155% Participation
2-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate	Point to Point Annual	205% Participation

Surrender schedule

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

Hypothetical Projection

Comparison against S&P 500 using current rates

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Investment Amount

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)

Waivers

Terminal Illness

If, after the policy begins, you become diagnosed with a terminal illness that results in a life expectancy of 12 months or less, surrender charges may be waived on withdrawals.

ADL

At least one year after the policy date, if you need home health care services from a licensed home health care service agency because you are unable to perform 2 of 6 activities of daily living, which includes bathing, continence, dressing, eating, toileting and transferring, and show evidence of such services, you may qualify for a waiver of surrender charges. You must not have been confined or required home health care services during the year prior to your policy being issued.

Confinement

At any time after policy issue, if you become confined for at least 30 consecutive days to a qualified institution and show evidence of such confinement, surrender charges may be waived on withdrawals. To qualify for the waiver, you must not have been confined during the year prior to your policy being issued.

Premium Notes

$100 minimum additional. Additional premium can be lump sum or scheduled.
$2 000 000 maximum per owner without Home Office approval or commission reduction.

Withdrawal Provisions

Access to your money Accumulation 7 offers you the comfort of knowing you have access to your money if unforeseen opportunities or issues arise. However, if you choose to access your funds during the policy’s first seven years, and you do not qualify under any of the available penalty-free options, surrender charges will apply to partial withdrawals or full surrenders. Remember that withdrawals are taxable events, and if taken prior to age 59½, tax penalties may apply. Consult with your attorney or tax professional before taking a withdrawal. Market value adjustment A market value adjustment (MVA) may also apply if you surrender your contract during the surrender charge period. The MVA is calculated by comparing the interest rate environment when you purchase your contract to the environment when you choose to surrender your contract. Generally, a decrease in market interest rates may result in a somewhat higher net amount payable upon withdrawal; rising interest rates may result in a somewhat lower net payment. The MVA amount may vary by state and may not be applicable in all states. Penalty-free withdrawals Each policy year after the first year, you may withdraw up to 10% of your beginning-of-year accumulation value without incurring surrender charges or an MVA. The minimum withdrawal amount is $500.

Company Founded: 1887

Excellent Rated Company

Ameritas Life Insurance Corp.

Company Ratings

4.2