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Ameritas (Legacy Marketing Group) ApexAdvantage

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ApexAdvantage is a 10-year modified single premium deferred fixed index annuity. ApexAdvantage is designed to help generate the income you need to accelerate your retirement. While income you can’t outlive is vital, it’s equally important to grow your money. ApexAdvantage offers strong growth potential and valuable guarantees to help protect your funds from market downturns.

Please note this product is developed and marketed exclusively with Legacy Marketing Group.
Available in states: AL, AK, AZ, AR, 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
Fixed Index
Purpose Lifetime Income
10 Years
Surrender schedule
Free withdrawal
1st year: 0%
2nd+ year: 10%
Market value adjustment
Return of premium
Launch date
Minimum contribution
Maximum contribution
Max Age Qualified
Types of funds
Non-Qualified, 401k, IRA, IRA Rollover, 401a, IRA Transfer, SEP IRA, IRA-Roth, SIMPLE IRA, 457 plan, 1035 Exchange, Inherited IRA, and NQ Stretch
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Find out if the Ameritas (Legacy Marketing Group) ApexAdvantage is the right product for you.


Premium Notes

Premium Amount
Your annuity’s compound growth potential begins with your purchase amount, known as a premium. You can choose the premium payment that best helps you achieve your financial goals. Your initial premium amount can be as low as $25,000 or as high as $2,000,000. ApexAdvantage is a modified single premium annuity. As such, it allows premium payments to be made only during the first policy year. During the first policy year, if you decide you’d like to contribute more money to your annuity, you may add additional premium payments of at least $5,000, not to exceed $2,000,000 in total premium.

  • Nonqualified money. 
  • Nonqualified stretch — spousal only. 
  • 401(a), 401(k), 457(b) — no GLWB. 
  • Rollover IRA (traditional). 
  • Custodial IRA. 
  • Inherited IRA — spousal only. 
  • SEP IRA. 
  • Roth IRA. 
  • Roth IRA conversion (full). 
  • Spousal Roth IRA — living spouse assumes deceased spouse’s Roth IRA.
  • Charitable Remainder Annuity Trust.
  • Charitable Remainder Trust. 
  • Charitable Remainder Unitrust. 
  • Corporation. 
  • Irrevocable Trust. 
  • Revocable Trust.
  • Special Needs Trust. 
  • Net Income with Make-up Charitable Remainder Unitrust. 

Withdrawal Provisions

Market Value Adjustment
A market value adjustment (MVA) is a positive or negative adjustment made to your withdrawal or surrender amount in response to market conditions. When a surrender charge is assessed, an MVA will apply on the amount you access. An MVA does not apply to penalty-free withdrawal amounts or after the surrender charge period ends. The MVA is calculated based on a formula that tracks the interest rate environment since you purchased your annuity. The MVA may increase or decrease the amount of the withdrawal or surrender. The actual MVA amount may vary by state, and an MVA may not be applicable in all states. Ask your insurance professional about any MVA in your state.

Penalty-Free Withdrawals
Each year after the first policy anniversary, you may withdraw up to 10% of the accumulation value as of the beginning of the policy year without incurring a surrender charge or market value adjustment. You are free to use this liquidity feature to respond to life’s unexpected events or for any reason. 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
4.3% Fixed
1-Year S&P 500 PTP Participation Rate
Point to Point
47% Participation
1-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
175% Participation
2-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
240% Participation
1-Year BNPP US Governance Multi Asset PTP Participation Rate
Point to Point
195% Participation
2-Year BNPP US Governance Multi Asset PTP Participation Rate
Point to Point
270% 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%


Name Inbuilt Fee
FutureNow Rider Level No 1.25% annually (2.50% after 10 years) (2.50% max)
FutureNow Rider Increasing No 1.25% annually (2.50% after 10 years)
FutureNow Rider Increasing With Booster No 1.35% annually (2.50% after 10 years)
FutureNow Rider Level With Booster No 1.35% annually (2.50% after 10 years)


Terminal Illness

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


Unavailable in states: FL

If you need home health care services from a licensed home health care service agency due to impairment in performing at least two of six activities of daily living (bathing, continence, dressing, eating, toileting, and transferring) you may qualify for a waiver of surrender charges. You would be eligible for this waiver after the first policy anniversary, if the conditions are met. You must not have been confined or required home health care services within one year prior to the policy date.


If you become confined for at least 30 consecutive days to a qualified institution, surrender charges may be waived on withdrawals. To qualify for the waiver, you must not have been confined within one year prior to the policy date.

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