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Ameritas Income 10 Index Annuity

The Ameritas Income 10 Index Annuity is a fantastic choice for planning your retirement. Providing steady income with a balance of capital safety and potential for growth, it offers valued peace of mind.

Plus, noteworthy benefits such as income boosters and protection features keep you ahead, without the usual stock market worries. A truly reassuring and smart choice!

Ameritas Income 10 Index Annuity

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About Product

Type

Fixed Index

Purpose

Lifetime Income

Term

10 Years

Surrender schedule

Fee withdrawal:

10%

Flexible premium

Product Life

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$10,000

Maximum Contribution

$1,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, and SIMPLE IRA

Launch Date

05/01/2019

Ameritas Income 10 Index Annuity is a flexible premium deferred annuity. Income 10 gives you the potential to earn higher returns with an interest rate that’s linked, in part, to the performance of one or more market indexes. Since you’re not investing in an actual index, you are protected from market losses. You won’t lose money due to negative index performance.
Income 10 features two Guaranteed Lifetime Withdrawal Benefit riders, available for an additional charge, that define how much money you’ll receive from your policy once you retire.

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	3.75% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	6.35% Cap
1-Year S&P 500 PTP Monthly Average Cap	Point to Point Annual Monthly average	7.45% Cap
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	2.05% Cap
1-Year Russell 2000 PTP Cap	Point to Point Annual	8.15% Cap
1-Year Russell 2000 PTP Monthly Average Cap	Point to Point Annual Monthly average	8.95% Cap
1-Year MSCI EAFE PTP Cap	Point to Point Annual	6.85% Cap
1-Year MSCI EAFE PTP Monthly Average Cap	Point to Point Annual Monthly average	8.55% Cap
1-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate	Point to Point Annual	140% Participation
2-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate	Point to Point Biennial	190% Participation
1-Year Fixed Account	Fixed	4.1% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	6.95% Cap
1-Year S&P 500 PTP Monthly Average Cap	Point to Point Annual Monthly average	8.7% Cap
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	2.25% 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	10.1% 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	11.15% Cap
1-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate	Point to Point Annual	155% Participation
2-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate	Point to Point Biennial	205% Participation
1-Year Fixed Account	Fixed	4.3% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	7.4% Cap
1-Year S&P 500 PTP Monthly Average Cap	Point to Point Annual Monthly average	9.6% 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	9.35% Cap
1-Year Russell 2000 PTP Monthly Average Cap	Point to Point Annual Monthly average	10.8% Cap
1-Year MSCI EAFE PTP Cap	Point to Point Annual	8.2% Cap
1-Year MSCI EAFE PTP Monthly Average Cap	Point to Point Annual Monthly average	12.5% Cap
1-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate	Point to Point Annual	160% Participation
2-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate	Point to Point Biennial	210% Participation
1-Year Fixed Account	Fixed	4.35% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	7.5% Cap
1-Year S&P 500 PTP Monthly Average Cap	Point to Point Annual Monthly average	9.7% Cap
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	2.4% Cap
1-Year Russell 2000 PTP Cap	Point to Point Annual	9.45% Cap
1-Year Russell 2000 PTP Monthly Average Cap	Point to Point Annual Monthly average	10.9% Cap
1-Year MSCI EAFE PTP Cap	Point to Point Annual	8.35% 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 Daily RC2 5% PTP Participation Rate	Point to Point Annual	165% Participation
2-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate	Point to Point Biennial	215% 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
Income Protector Rider	No	1.00% annually (2.00% max)
Income Builder Rider	Yes	1.00% annually (2.00% max)
Income Protector Plus Rider	No	1.10% annually (2.00% max)
Income Builder Plus Rider	Yes	1.10% annually (2.00% max)

Waivers

Terminal Illness

Unavailable in states: CA

This rider will be included at issue. It is a no-cost rider that provides waiver of surrender charges if the client is terminally ill.

ADL

Unavailable in states: CA, and FL

This rider will be included at issue. It is a no-cost rider that provides waiver of surrender charges if the client receives at home health care due to inability to perform 2 of 6 activities of daily living (ADLs) - bathing, continence, dressing, eating, toileting and transferring.

Confinement

Unavailable in states: CA

This rider will be included at issue. It is a no-cost rider that provides waiver of surrender charge if the client is confined to a nursing care facility.

Premium Notes

Premiums Minimum initial deposit
The minimum deposit is $10,000 for qualified and non-qualified funds. If the initial premium is less than the desired $10,000 amount, there must be recurring premium set up at issue such that the $10,000 premium requirement is met during the first policy year.
$100 minimum additional. Additional premium can be lump sum or scheduled.

Maximum lifetime deposit
The maximum lifetime premium is $2 million. Home office approval is required for any amount over this limit and for any policy owner who exceeds this limit for all policies issued by Ameritas combined.

Withdrawal Provisions

Market Value Adjustment (MVA) The Market Value Adjustment (MVA) can be a positive or negative adjustment made in response to changes in the general interest rate market. It applies anytime a surrender charge is assessed during the policy's surrender charge period (in addition to the applicable surrender charge). An MVA does not apply when funds are accessed penalty-free; the actual MVA amount may vary by state, and an MVA may not be applicable in all states. Penalty-free withdrawals Each policy year after the first year, your client 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