Access to your money Accumulation 7 offers you the comfort of knowing you have access to your money.
If you choose to access your funds during the policy’s first seven years and you do not qualify under any of the available penalty-free options, surrender charges and a market value adjustment 1 will apply to the amount you take out.
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2
3
4
5
6
7 8+
Policy Year
9% 9% 8% 7% 6% 5% 4% 0%
Surrender charge
If you choose to have the optional 5-Year surrender charge rider for an added charge, it replaces the 7-year surrender charge schedule.
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2
3
4
5
6+
Policy Year
9% 9% 7.75% 6.5% 5.25% 0%
Surrender charge
This rider is not available in combination with the Enhanced Death Benefit Plus Rider. These surrender charge schedules may vary by state. Withdrawals are taxable events, and if taken prior to age 59½, tax penalties may apply. Consult with your attorney or tax professional before taking a withdrawal. In addition, a market value adjustment may also apply. 1 Penalty free options You can withdraw 10% of your beginning-of-year accumulation value each policy year after the first year without incurring penalties (taxes and tax penalties may still apply). You can also withdraw your accumulation value in certain situations where you experience declines in your health, such as being confined to a nursing home, requiring home health care and being diagnosed with a terminal illness, without incurring penalties (taxes and tax penalties may still apply). Additional details, terms and conditions can be found in the More About Annuity Riders brochure. Contractual guarantee Accumulation 7 provides a solid contractual guarantee to shield your funds from an economic downturn. If you decide to surrender your policy, your surrender value will never be less than the minimum guaranteed surrender value.
1 The MVA is calculated by comparing the interest rate environment when you buy your contract to the environment when you choose to surrender your contract. Generally, a decrease in market interest rates may result in a somewhat higher net amount payable upon withdrawal; rising interest rates may result in a somewhat lower net payment. The MVA amount may vary by state and may not be
applicable in all states. May vary by state and may not be available in all states. 2 Guarantees are based on the claims-paying ability of Ameritas Life Insurance Corp.
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