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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%

Ameritas Income 10 Index Annuity

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Highlights

Type
Fixed Index
Purpose Lifetime Income
Term
10 Years
Surrender schedule
9%9%8%7%6%5%4%3%2%1%
Free withdrawal
1st year: 0%
2nd+ year: 10%
Flexible premium Product Life
Market value adjustment
Return of premium
Launch date
05/01/2019
Minimum contribution
$10,000
Maximum contribution
$1,000,000
Max Age Qualified
85
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, and SIMPLE IRA
Brochure
Open brochure

Find out if the Ameritas Income 10 Index Annuity is the right product for you.

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. 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
4.05% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.15% Cap
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
8.65% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.3% Cap
1-Year Russell 2000 PTP Cap
Point to Point
Annual
7.35% 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
7.35% Cap
1-Year MSCI EAFE PTP Monthly Average Cap
Point to Point
Annual
Monthly average
7.8% 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
220% Participation
1-Year Fixed Account
Fixed
4.4% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.75% Cap
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
9.9% 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
8.15% 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
8.2% Cap
1-Year MSCI EAFE PTP Monthly Average Cap
Point to Point
Annual
Monthly average
10.4% Cap
1-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate
Point to Point
Annual
175% Participation
2-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate
Point to Point
Biennial
235% Participation
1-Year Fixed Account
Fixed
4.6% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
8.2% Cap
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
10.8% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.6% Cap
1-Year Russell 2000 PTP Cap
Point to Point
Annual
8.55% 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
8.7% Cap
1-Year MSCI EAFE PTP Monthly Average Cap
Point to Point
Annual
Monthly average
11.75% Cap
1-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate
Point to Point
Annual
180% Participation
2-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate
Point to Point
Biennial
240% Participation
1-Year Fixed Account
Fixed
4.65% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
8.3% Cap
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
10.9% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.65% Cap
1-Year Russell 2000 PTP Cap
Point to Point
Annual
8.65% 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
8.85% 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
185% Participation
2-Year S&P 500 Sector Rotator Daily RC2 5% PTP Participation Rate
Point to Point
Biennial
245% 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.

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