Ameritas (Legacy Marketing Group) FlexMark Select LT (FL Only): Rates & Review

FlexMark Select annuities are all about flexibility and choice. Clients can tailor their FlexMark Select annuity to fit their need for accumulation and/or retirement income strategies. They can choose a bonus or no-bonus product and upgrade from a no-cost GLWB income rider to a for-cost GLWB rider that offers a stronger “roll-up” rate, lifestyle and level payout options, and an optional income booster. Diverse interest crediting options, with the option to receive higher participation and/or cap rates for a fee, provide additional flexibility.

FlexMark Select gives you the choice of a fee or no-fee version of each index option.

Fee Option—In exchange for paying a fee, you will receive higher caps and/or participation rates than are available on the no-fee option. This translates to the opportunity for greater earnings. Index options with a fee are an excellent choice if you are looking to maximize your growth potential. Fee options are not available in all states.
No-Fee Option—If you’re not interested in paying a fee, a traditional no-fee option, which offers competitive rates, is a solid choice.
Fee and No-Fee Combination—FlexMark Select allows you the flexibility to diversify your money among all available crediting strategies. That means you can split your premium among fee options, no-fee options, and the fixed account—allowing you to customize your accumulation path.

Please note this product is developed and marketed exclusively with Legacy Marketing Group.

Available in states: FL

Name	Type	Rates
1-Year Fixed Account	Fixed	3.55% Fixed
1-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Annual	130% Participation
1-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Annual	170% Participation
2-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Biennial	225% Participation
2-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Biennial	180% Participation
1-Year BNPP Momentum 5 PTP Participation Rate	Point to Point Annual	140% Participation
1-Year BNPP Momentum 5 PTP Participation Rate	Point to Point Annual	185% Participation
2-Year BNPP Momentum 5 PTP Participation Rate	Point to Point Biennial	180% Participation
2-Year BNPP Momentum 5 PTP Participation Rate	Point to Point Biennial	225% Participation
1-Year Russell 2000 PTP Cap	Point to Point Annual	6.95% Cap
1-Year Russell 2000 PTP Cap	Point to Point Annual	9.25% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	6% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	7.95% Cap
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	48% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	61% Participation
1-Year Fixed Account	Fixed	3.7% Fixed
1-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Annual	175% Participation
1-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Annual	140% Participation
2-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Biennial	235% Participation
2-Year US Innovative Leaders 5 PTP Participation Rate	Point to Point Biennial	185% Participation
1-Year BNPP Momentum 5 PTP Participation Rate	Point to Point Annual	150% Participation
1-Year BNPP Momentum 5 PTP Participation Rate	Point to Point Annual	190% Participation
2-Year BNPP Momentum 5 PTP Participation Rate	Point to Point Biennial	185% Participation
2-Year BNPP Momentum 5 PTP Participation Rate	Point to Point Biennial	240% Participation
1-Year Russell 2000 PTP Cap	Point to Point Annual	7.1% Cap
1-Year Russell 2000 PTP Cap	Point to Point Annual	9.5% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	8.3% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	6.35% Cap
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	50% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	63% Participation

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
Flexmark Basic Income Rider	Yes
Flexmark MyFit Income Rider	No	1.15% annually (2.00% max)
Flexmark MyFit Income Rider with Booster	No	1.25% annually (2.00% max)
Flexmark MyFit Income Rider (Lifestyle Payout)	No	1.15% annually (2.00% max)
Flexmark MyFit Income Rider with Booster (Lifestyle Payout)	No	1.25% annually (2.00% max)

Premium Notes

Premium

$25 000 minimum. Year 1.
$5 000 minimum additional (Year 1 only). Additional premium can be lump sum or scheduled.
$2 000 000 maximum per owner without Home Office approval or commission reduction ($1 000 000 on bonus products for issue ages 75+).

Withdrawal Provisions

Free Withdrawals Each policy year after the first, you may withdraw up to 10% of your beginning-of-year accumulation value without incurring surrender charges or a market value adjustment. You are free to use this liquidity feature to carry out an income plan or to respond to life’s unexpected events. The minimum withdrawal amount is $250.Up to 10% of the beginning-of-policy-year accumulation value each year after the first policy year. 10% one-time emergency withdrawal after the first policy year for qualifying events.*Systematic withdrawals that fall within the 10% free withdrawal threshold or are paid as part of a GLWB rider benefit. Confinement, home health care, and terminal illness waivers for qualifying conditions.* * May vary by state and may not be available in all states

Ameritas (Legacy Marketing Group) FlexMark Select LT (FL Only)