Ameritas (Legacy)
Apexadvantage Annuity
Rates and specifications only. Our editorial review of this product hasn't been written yet, so there's no star rating or verdict here — the figures below come straight from the carrier's filed rates and brochure.
Type
FIA
Surrender
10 years
Top yield
2.19%
A.M. Best
A
Current Rates
Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate. Each row is a variant of the same product.
| Strategy | Method | Rate | Cap | Par | Yield to surrender |
|---|---|---|---|---|---|
| 1 Year Fixed Account | Fixed | 3.95% | — | — | 2.19% |
| 1-Year BNPP US Governance Multi Asset Index Point-to-Point With Par | Point to Point | — | — | 165.00% | 1.80% |
| 1-Year S&P 500 IQ Index Point-to-Point With Cap | Point to Point | — | 9.50% | — | 1.80% |
| 1-Year S&P 500 IQ Index Point-to-Point With Par | Point to Point | — | — | 60.00% | 1.80% |
| 1-Year S&P 500 Point to Point with Par | Point to Point | — | — | 42.00% | 1.80% |
| 1-Year S&P 500 Point-to-Point With Cap | Point to Point | — | 6.45% | — | 1.80% |
| 1-Year US Innovative Leaders 5 Index Point-to-Point With Participation Rate | Point to Point | — | — | 155.00% | 1.80% |
Surrender Schedule
Yr 1
9%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
Product Specifications
- Minimum premium (non-qualified)
- $25,000
- Minimum premium (qualified)
- $25,000
- Maximum issue age
- 85
- Free withdrawal
- 10%
- Free withdrawal (year 1)
- 0%
- Market value adjustment
- true
- Return of premium
- false
- States available
- 50 states
Income Riders
FutureNow Rider
Roll-up: 5.00%
FutureNow Rider Increasing
Roll-up: 5.00%
FutureNow Rider Increasing MT, MA
Roll-up: 5.00%
FutureNow Rider with Booster
Roll-up: 5.00%
Carrier Brochure
Rates are a snapshot and change frequently. Figures are sourced from the carrier's filed rates via Annuity Rate Watch and refreshed nightly. Nothing here is a recommendation to buy.