FlexMark Select Rate Changes Effective 3/5/2020
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Legacy
Keeping you in the know with information you can use.
February 26, 2020
FlexMark Select® Rates Are Changing After 3/4/2020
Ameritas Life Insurance Corp. has announced that it will change rates on FlexMark Select fixed index annuities, effective March 5, 2020. Refer to the below table for new rates. Decreases are shown below in red.
New FlexMark Select Series Rates, Effective 3/5/2020
Product Standard Band Upgraded Band
  S&P 500® One-Year Point-to-Point With Cap
  1% Fee* No Fee 1% Fee* No Fee
FlexMark Select 5.60% 3.60% 6.00% 4.00%
FlexMark Select Plus 4.90% 2.90% 5.10% 3.10%
FlexMark Select LT 5.15% 3.15% 5.50% 3.75%
FlexMark Select LT Plus 4.65% 2.90% 4.80% 3.05%
  Russell 2000® One-Year Point-to-Point With Cap
  1% Fee* No Fee 1% Fee* No Fee
FlexMark Select 3.85% 1.75% 4.10% 2.00%
FlexMark Select Plus 3.10% 1.00% 3.30% 1.20%
FlexMark Select LT 3.30% 1.20% 3.60% 1.50%
FlexMark Select LT Plus 2.80% 1.00% 2.90% 1.05%
  BNPP Momentum 5** One-Year Point-to-Point
With Participation Rate
  1% Fee* No Fee 1% Fee* No Fee
FlexMark Select 85% 50% 90% 60%
FlexMark Select Plus 65% 35% 70% 40%
FlexMark Select LT 85% 50% 90% 55%
FlexMark Select LT Plus 60% 30% 70% 40%
  BNPP Momentum 5** Two-Year Point-to-Point
With Participation Rate
  2% Fee* No Fee* 2% Fee* No Fee*
FlexMark Select 105% 65% 115% 75%
FlexMark Select Plus 80% 45% 90% 55%
FlexMark Select LT 105% 65% 110% 70%
FlexMark Select LT Plus 80% 45% 85% 50%
  S&P 500 Two-Year Point-to-Point With Participation Rate
  2% Fee* No Fee* 2% Fee* No Fee*
FlexMark Select 35% 15% 40% 20%
FlexMark Select Plus 25% 15% 30% 15%
FlexMark Select LT 30% 15% 35% 15%
FlexMark Select LT Plus 25% 15% 30% 15%
  One-Year Fixed Account
FlexMark Select 1.00% 1.15%
FlexMark Select Plus 1.00% 1.00%
FlexMark Select LT 1.00% 1.00%
FlexMark Select LT Plus 1.00% 1.00%
Rate Lock:
A rate lock applies on each strategy for 45 days from the date the application is signed. On premium received within the 45-day period, clients will receive the greater of (1) the locked-in rate or (2) the rate in effect on the first index date following the date premium is received. After 45 days, the rates in effect at the time premium is received will apply.
Submit applications via:
• FireLight® e-app platform (preferred method): Access through the LegacyNet® Point-of-Sale Materials page.
• Regular mail: Ameritas New Business, P.O. Box 305086, Nashville, TN 37230-5086.
• Overnight delivery: Ameritas Life Insurance Corp., Attn: New Business, 100 Centerview Drive, Suite 100, Nashville, TN 37214.
• Fax: 844-874-5235.
If you would like us to review an application prior to submitting it to Ameritas, contact Legacy’s Customer Service and Suitability Help Desk at 800-395-1053, Ext. 5819. For sales ideas or more information, call 800-395-1053, Ext. 4002, or visit www.legacynet.com.
We appreciate your business!
In approved states, FlexMark Select Index Annuities (Form 2705) and riders are issued by Ameritas Life Insurance Corp. (Ameritas), located at 5900 O Street, Lincoln, NE 68510. Products are designed in conjunction with Ameritas and exclusively marketed by Legacy Marketing Group®. Ameritas and Legacy Marketing Group are separate, independent entities. FlexMark Select Index Annuities are single premium deferred annuities that offer a fixed interest option and index interest options. The index options are not securities. Keep in mind, your clients are not participating in the market or investing in any stock or bond. Policies, index strategies, and riders may vary and may not be available in all states. Optional features and riders may have limitations, restrictions, and additional charges. Product guarantees are based on the claims-paying ability of Ameritas Life Insurance Corp. Refer to brochures for additional details. FlexMark Select is a registered service mark of Legacy Marketing Group.
Withdrawals may be subject to income tax. If withdrawals are made before age 59½, they also may be subject to an IRS penalty tax. Ameritas, Legacy Marketing Group, and their authorized representatives do not give legal or tax advice. It is recommended that tax advisers be consulted.
Standard & Poor’s 500® Index is comprised of 500 stocks representing major U.S. industrial sectors. S&P 500 and Standard & Poor’s 500® are trademarks of Standard & Poor’s and have been licensed for use by Ameritas Life Insurance Corp. The product is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s does not make any representation regarding the advisability of investing in the product.
The Russell 2000® Index is a trademark of the Russell Investment Group (“Russell”) and has been licensed for use by Ameritas Life Insurance Corp. FlexMark Select Index Annuity is not sponsored, endorsed, sold or promoted by Russell and Russell makes no representation regarding the advisability of purchasing the product. Russell Investment Group is the source and owner of the trademarks, service marks and copyrights related to the Russell Indexes. Russell® is a trademark of Russell Investment Group.
The BNP Paribas Momentum Multi-Asset 5 Index (BNPP Momentum 5 Index) has limited historical information. The BNPP Momentum 5 Index is a new index strategy, launched on 1/27/2017. For more information about the BNPP Momentum 5 Index, visit https://momentum5index.bnpparibas.com.
This product is not sponsored, endorsed, sold or promoted by BNP Paribas or any of its affiliates (collectively, “BNP Paribas”). Neither BNP Paribas nor any other party (including without limitation any calculation agents or data providers) makes any representation or warranty, express or implied, regarding the advisability of purchasing this product. BNP Paribas Momentum Multi-Asset 5 Index (the “Index”) is the exclusive property of BNP Paribas. BNP Paribas and the Index are service marks of BNP Paribas and will be licensed for use for certain purposes by Ameritas Life Insurance Corp. BNP Paribas shall not have any liability with respect to the product. Neither BNP Paribas nor any other party has or will have any obligation or liability to owners of this product in connection with the administration or marketing of this product, and neither BNP Paribas nor any other party guarantees the accuracy and/or the completeness of the Index or any data included therein.
* Fee and multi-year options not available in all states. Check current State Approval Matrix. 1% fee is deducted at the beginning of each 1-year index period; 2% fee is deducted at the beginning of each 2-year index period.
** Also known as the BNP Paribas Momentum Multi-Asset 5 Index. Fee and multi-year options not available in all states.
AL1064v0320   FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS.