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“I plan to take some withdrawals to pay for world travels and don’t want to miss out on index credits, so I allocated some of my money to the fixed account.”
Interest Crediting Strategies Your annuity’s growth potential is driven by your selection of interest crediting strategies. FlexMark Select offers a variety of strategies that will help you achieve your financial goals. Fixed Account —The fixed account offers a competitive interest rate that is guaranteed* for a 12-month period. Interest accrues daily and is credited monthly rather than at the end of the 12-month period, making the fixed account a suitable choice for a portion of your money if you anticipate taking periodic withdrawals. Index Options —An index option is a type of interest crediting strategy that calculates the interest rate based on the performance of a market index,** such as the S&P 500®. FlexMark Select offers multiple index options tied to various indices, allowing diversification within your annuity. When you allocate your money to an index option, you have the opportunity to benefit from market gains without exposing your money to market declines. That’s because interest credited will never be less than 0%. In exchange for this protection, interest credited is limited to a percentage of market increases (a participation rate) and/or an earnings ceiling (a cap). FlexMark Select offers index options that include a cap, participation rate, or both. 7.5%
Participation Rate: 70%
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Participation Rate: 70%
Cap: 5%
Participation Rate —A percentage that is multiplied by the percent of index change to determine interest credited to the annuity. For example, if the market increases 10% over the index period, and the participation rate is 70%, interest credited would be 7%. 7.5%
Cap —A maximum rate of interest that will be credited to the annuity. For example, if the market increases 10% over the index period, and the cap is 5%, interest credited would be 5%.
5%
Interest credited on the index options is limited to a cap, participation rate, or both.
* Guarantees are based on the claims-paying ability of Ameritas Life Insurance Corp. ** Keep in mind that you’re not actually participating in the market or investing in any stock or bond. Cap: 5%
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