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July 22, 2025
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S&P 500® IQ Index* Coming to ApexAdvantage®!
In Addition to Other New Options and Changes
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Help clients chart an intelligent path to the
S&P 500 with the S&P 500 IQ Index option,
coming to ApexAdvantage,
effective with applications signed on or after Monday, August 4, 2025.
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Using an intraday methodology to rapidly respond to changing markets and allocating only between the S&P 500 and cash,
the S&P 500 IQ Index offers the potential for higher caps and participation rates within an FIA.
ApexAdvantage will offer one-year point-to-point cap or
participation rate options based on the performance of the S&P 500 IQ Index.
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| More New Index Options |
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ApexAdvantage will also offer a one-year S&P 500 with cap index option as well
as a one-year US Innovative Leaders 5 Index with participation rate index option.
The US Innovative Leaders 5 Index—sponsored by BNP Paribas,
one of the world’s largest banks—tracks U.S. companies at the forefront of innovation.
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| Other Changes |
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In addition to the new index options, the following changes will occur
effective with ApexAdvantage applications submitted on or after Monday, August 4, 2025:
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Discontinued index options:
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One- and two-year S&P 500 MARC 5% (Multi-Asset Risk Control) Index with participation rate.
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Two-year BNPP US Governance Multi Asset Index with participation rate.
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FutureNow Ridersm GLWB rider** updates:
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Benefit base bonus will decrease to 28%.
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Roll-up will decrease to 5%.
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Distribution factors will change.
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The Ameritas mailing address and phone number will change:
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Regular mail: Ameritas New Business, PO Box 81889, Lincoln, NE 68501.
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Overnight delivery: Ameritas New Business, 5900 O Street, Lincoln, NE 68510-2234.
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Phone number: 866-515-5021.
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Even with these product changes, ApexAdvantage is among the top three
products from “A”
rated carriers for immediate guaranteed income with an
ADL impairment booster!†
Plus,
check out surrounding issue ages for similar competitive rankings.
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Hypothetical Example††—$100K premium,
70-year-old male,
single option, immediate,
level payout option = $7,782 annual payout.
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Although a new product training is not required to sell ApexAdvantage,
Producers are encouraged to review the updated ApexAdvantage
sales guide for details on the new index options.
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| APPLICATION INFORMATION AND DEADLINES |
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To receive the current version of ApexAdvantage,
applications must be received by Ameritas in
FireLight®
by 5:00 p.m., Central Time, Friday, August 1, 2025.
Applications out for signature will be accepted provided they are received by this deadline.
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New applications started within FireLight 5:01 p.m. or after, Central Time, Friday, August 1, 2025,
will generate a pop-up message stating the product is no longer available,
and Producers will need to data enter a new application in
FireLight on or after 7 a.m., Monday, August 4, 2025, Central Time.
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Applications that are in the “data entry” status within FireLight will continue to display,
but Producers will be unable to submit them. Producers wishing to finalize the
application will need to “copy” the application within FireLight,
keeping in mind the new version of the ApexAdvantage is being applied for.
For assistance, contact the Suitability Help Desk at 800‑395‑1053, Ext. 5819.
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For sales tips and more information, call the Legacy Marketing
Group®
Marketing Field Support Team at 800‑395‑1053, Ext. 4002.
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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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The S&P MARC 5% (Multi-Asset Risk Control) Index, launched on 3/27/2017, and S&P 500 IQ 0.5% Decrement Index, launched on 7/12/2023,
are new indices with limited historical information.
For index information, see
https://www.spglobal.com/spdji/en/indices/strategy/sp-marc-5-index/#overview
and
https://www.spglobal.com/spdji/en/indices/multi-asset/sp-500-iq-05-decrement-index/#overview.
The
“S&P 500®”,
S&P MARC 5% (Multi-Asset Risk Control) Index,
and
“S&P 500 IQ 0.5% Decrement Index”
(“S&P 500 IQ Index” or the “Index”)
are products of S&P Dow Jones Indices LLC or its affiliates
(“SPDJI”) and have been licensed for use by Ameritas Life Insurance Corp. (“Ameritas”).
S&P®,
S&P 500®,
US 500, The 500, iBoxx®,
iTraxx®
and CDX® are trademarks
of S&P Global, Inc. or its affiliates (“S&P”);
Dow Jones®
is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”).
Ameritas Fixed Index Annuities are not sponsored, endorsed, sold or promoted by SPDJI,
Dow Jones, S&P, their respective affiliates, and none of such parties make
any representation regarding the advisability of investing in such product(s)
nor do they have any liability for any errors, omissions, or interruptions of
the S&P 500, S&P MARC 5% Index, and S&P 500 IQ Index.
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The BNPP US Governance Multi Asset Index (launched on 5/25/2022) and the US Innovative Leaders 5 Index (launched on 1/28/2020)
are new indexes with limited historical information.
For index information, visit
https://governance-multi-asset-index.bnpparibas.com
and
https://innovativeleaders.bnpparibas.com.
The BNPP US Governance Multi Asset Index and the US Innovative Leaders 5 Index (each, a “BNPP Index”)
are the exclusive property of BNP Paribas or one of its affiliates (BNP Paribas and its affiliates are hereinafter
referred to as “BNPP”). The BNP Paribas Index is determined, composed and calculated by BNPP.
“BNP”, “BNPP”, “BNP Paribas”, “BNPP US Governance Multi Asset Index”,
and “US Innovative Leaders 5 Index” (collectively, the “BNPP Marks”)
are trademarks or service marks of BNPP and are licensed by Ameritas Life Insurance Corp. (the “Company”)
for use in a fixed index annuity (the “Company Product”) offered by the Company.
The Company Product is not, in whole or in part, sponsored, structured, priced, endorsed, offered,
sold, issued or promoted by BNPP or any third party licensor of information to BNPP.
BNPP’s only relationship to the Company is the licensing of the BNPP Index and the
BNPP Marks for certain purposes as well as acting as a hedge provider to the
Company with respect to the Company Product. BNPP shall not have any liability
with respect to a Company Product, and is not liable for any loss relating to the Company Product,
whether arising directly or indirectly from the use of the BNPP Index,
its methodology, any third party information used in the BNPP Index or its methodology,
any BNPP Mark or otherwise.
BNPP and any third party licensor of information to BNPP make no
representations or warranties regarding the Company Product.
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| * |
The S&P 500 IQ Index is also known as the S&P 500 IQ 0.5% Decrement Index. Decrement indices are used to provide more
stabilized index pricing. In exchange for this benefit,
published index values are net of a fixed fee, which is 0.5% on the S&P 500 IQ 0.5% Decrement Index.
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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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Source: Annuity Rate Watch (June 17, 2025).
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| †† |
Hypothetical example assumes a 1.35% annual rider charge, 28% benefit base bonus, and no withdrawals.
Hypothetical example is not reflective of actual annuity performance.
Past performance, whether actual or hypothetical, does not guarantee future results.
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| AL1381v0525 |
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FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS. |
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