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September 16, 2024
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ApexAdvantage®
Benefit Base Bonus Decreasing After October 6, 2024
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In response to the current interest rate environment,
Ameritas Life Insurance Corp. is lowering the benefit base bonus on the ApexAdvantage FutureNow
Ridersm
GLWB riders* to 33% for applications received on or after Monday, October 7, 2024.
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In addition to the backing of “A” rated Ameritas,** ApexAdvantage offers the ability to:
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Start income in as soon as 30 days.
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Select joint or single lives and increasing or level payouts when income starts—not at issue.
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Receive double payouts for impairment in 2 of 6 ADLs—single or joint lives—no confinement or medical underwriting required.
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| IMPORTANT DEADLINES |
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To receive the current 51% benefit base bonus with the ApexAdvantage FutureNow Rider GLWB riders,
applications must be submitted via
FireLight®
only and received by Ameritas Life Insurance Corp. on or before 11:59 p.m., Central time, Sunday, October 6, 2024.
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Premium and any requirements on pending business previously submitted
must be received within 45 days of the application signed date.
If premium is received after the 45 days,
the annuity contract will be issued with the lower FutureNow Rider GLWB benefit base bonus.
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Applications can only be submitted via the FireLight e-app platform,
accessible through the LegacyNet®
Point-of-Sale Materials page.
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| For sales ideas or more information,
call 800‑395‑1053, Ext. 4002,
or visit www.legacynet.com. |
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In approved states, ApexAdvantage Index Annuity
(Form ICC22 2707 with ICC22 2707-SCH or 2707 with 2707-SCH)
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.
ApexAdvantage Index Annuities are modified 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.
ApexAdvantage is a registered service mark, and FutureNow Rider is a service mark, of Legacy Marketing Group.
Ameritas®
is a registered service mark of Ameritas Life Insurance Corp.
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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.
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A Guaranteed Lifetime Withdrawal Benefit is available for a current annual charge of 1.25%
for the FutureNow Rider and 1.35% for the FutureNow Rider With Booster,
multiplied by the premium accumulation value during the accumulation phase
and by the benefit base during the withdrawal phase.
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| ** |
A (Excellent) for insurer financial strength. This is the third highest of AM Best’s 13 ratings.
Rating as of 5/4/2023.
Ameritas Mutual Holding Company’s ratings include Ameritas Life Insurance Corp.
and Ameritas Life Insurance Corp. of New York.
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| AL1353v0824 |
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FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS. |
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