PREPARE. 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. 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 premium payments of at least $5,000, not to exceed $2,000,000 in total premium. Contractual Guarantee* ApexAdvantage provides a solid contractual guarantee to help shield your money from an economic downturn. If you decide to surrender your policy for any reason, your surrender value will never be less than the minimum guaranteed surrender value, which is equal to:
• 87.50% of premium applied to the accumulation value; less
• Partial withdrawals and any surrender charges; plus
• Interest credited daily at the nonforfeiture interest rate shown on your policy schedule.
Accumulation Your annuity’s accumulation potential is driven by your selection of interest crediting options. ApexAdvantage offers a diverse choice of options to help you achieve your financial goals. Fixed Account The fixed account offers a competitive interest rate that is guaranteed* for a one-year period. Interest accrues daily and is credited monthly rather than at the end of the one-year period, making the fixed account a valid option for a share of your money if you anticipate making periodic withdrawals.
* Guarantees are based on the claims-paying ability of Ameritas Life Insurance Corp.
4 APEX ADVANTAGE | MODIFIED SINGLE PREMIUM DEFERRED INDEX ANNUITY
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