annuity-educator-logo
Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.30%
7-Year
6.00%
10-Year
5.80%

Ameritas (Legacy Marketing Group) FlexMark Select Plus

Get an annuity today!
Learn how an annuity can provide guaranteed income for life.

Highlights

FlexMark Select Plus 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. The diverse interest crediting options, with the option to receive higher participation and/or cap rates for a fee, provide additional flexibility.

Please note this product is developed and marketed exclusively with Legacy Marketing Group.
Available in states: AL, AZ, AR, CO, DC, FL, GA, IL, IA, KS, KY, LA, ME, MD, MI, MS, MT, NE, NC, ND, RI, SD, TN, VT, VA, WV, WI, and WY
Type
Fixed Index
Purpose Lifetime Income
Premium Bonus
6%
Term
10 Years
Surrender schedule
10%10%10%9%9%8%7%6%4%2%
Free withdrawal
1st year: 0%
2nd+ year: 10%
Market value adjustment
Return of premium
Launch date
09/15/2017
Minimum contribution
$25,000
Maximum contribution
$2,000,000
Max Age Qualified
85
Types of funds
Non-Qualified, 401k, IRA, IRA Rollover, 401a, IRA Transfer, SEP IRA, IRA-Roth, SIMPLE IRA, 457 plan, and TSP
Brochure
Open brochure

Find out if the Ameritas (Legacy Marketing Group) FlexMark Select Plus is the right product for you.

$

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+). 
Note: TSP has to be funded with rollover funds.

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 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
4.15% Fixed
1-Year BNPP Momentum 5 PTP Participation Rate
Point to Point
Annual
170% Participation
1-Year BNPP Momentum 5 PTP Participation Rate
Point to Point
Annual
215% Participation
2-Year BNPP Momentum 5 PTP Participation Rate
Point to Point
Biennial
225% Participation
2-Year BNPP Momentum 5 PTP Participation Rate
Point to Point
Biennial
270% Participation
1-Year Russell 2000 PTP Cap
Point to Point
Annual
7.15% Cap
1-Year Russell 2000 PTP Cap
Point to Point
Annual
9.35% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.45% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
9.4% Cap
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
57% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
71% Participation
1-Year US Innovative Leaders 5 PTP Participation Rate
Point to Point
Annual
160% Participation
1-Year US Innovative Leaders 5 PTP Participation Rate
Point to Point
Annual
205% Participation
2-Year US Innovative Leaders 5 PTP Participation Rate
Point to Point
Biennial
220% Participation
2-Year US Innovative Leaders 5 PTP Participation Rate
Point to Point
Biennial
270% Participation
1-Year Fixed Account
Fixed
4.3% Fixed
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
73% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
59% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
9.75% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.75% Cap
1-Year Russell 2000 PTP Cap
Point to Point
Annual
9.6% Cap
1-Year Russell 2000 PTP Cap
Point to Point
Annual
7.3% Cap
2-Year BNPP Momentum 5 PTP Participation Rate
Point to Point
Biennial
285% Participation
2-Year BNPP Momentum 5 PTP Participation Rate
Point to Point
Biennial
230% Participation
1-Year BNPP Momentum 5 PTP Participation Rate
Point to Point
Annual
220% Participation
1-Year BNPP Momentum 5 PTP Participation Rate
Point to Point
Annual
180% Participation
2-Year US Innovative Leaders 5 PTP Participation Rate
Point to Point
Biennial
280% Participation
2-Year US Innovative Leaders 5 PTP Participation Rate
Point to Point
Biennial
225% Participation
1-Year US Innovative Leaders 5 PTP Participation Rate
Point to Point
Annual
210% Participation
1-Year US Innovative Leaders 5 PTP Participation Rate
Point to Point
Annual
170% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 10% 10% 10% 9% 9% 8% 7% 6% 4% 2%

Riders

Name Inbuilt Fee
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)
Flexmark Select Plus Basic Income Rider Yes

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.

Annuitization

Surrender-charge free after Year 5.

ADL

Unavailable in states: FL

At least two years after the policy date, 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, dressing, transferring, toileting, continence, and eating) you may qualify for a waiver of surrender charges. You must not have been confined or required home health care services within one year prior to the policy date.

Confinement

At any time after policy issue, 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 1 year prior to the policy date.

Emergency Access

10% Emergency Access In addition to annual penalty-free withdrawals, FlexMark Select offers a one-time free withdrawal benefit, available after the first policy year, to help respond to life’s emergencies. You may withdraw up to an extra 10% of the accumulation value without incurring surrender charges or an MVA if you experience an emergency event.

Ready to Protect Your Financial Future?

Request a free quote or talk to our financial expert to get help