Single Premium Deferred Index Annuity

[Pages:16]Issued by

Ameritas Life Insurance Corp.

Lincoln, NE

AL1003v1119

Single Premium Deferred Index Annuity

My Choice:

My C"Ihpolaicne:to retire early

and spend every day on the ski slopes until my body calls it quits."

DEFINE MY FUTURE

THE FUTURE isn't limited to retiring from the workplace only to watch time and money diminish. A modern retirement is about embracing the years ahead and their expanded possibilities. For some, retirement is a time to travel the world, learn new things, and engage in opportunities that time didn't afford them during their working years. For others, a thriving retirement is all about giving back to the community, making connections, or spending quality time with those they love.

What does your future look like?

Whether you're gearing up for some much-needed time to do the things you love or are preparing to take on the world, your future is full of possibilities. A FlexMark Select index annuity is here to help you realize your goals and experience retirement your way.

FlexMark SELECT

SELECT

SELECT

SELECT

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MY

MY

MY

PRODUCT

STRATEGIES

RIDER

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CHOOSE MY PATH

FlexMark Select is built on a foundation of choice and flexibility. It allows you to choose your retirement path and even change directions when plans change. You will have the opportunity to make selections that will allow you to create your own path to retirement success.

FlexMark SELECT

Fee*

Bonus OR

No Bonus

Upgraded Band OR

Standard Band

SELECT MY

STRATEGIES

No Fee

Fee* & No Fee

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When you choose FlexMark Select to prepare for your future, you're choosing a product that can help you create financial security on your terms.

SELECT MY

RIDER

Basic GLWB

Level Payout

MyFit Income Rider?

(Traditional GLWB)

MyFit Income Rider With Booster

(Traditional GLWB With Income Booster)

Level Payout

OR

Lifestyle Payout

GLWB income riders are not available with certain tax-qualified plan types. Upgraded riders are available for a current annual charge of 0.95% for the MyFit Income Rider and 1.05% for the MyFit Income Rider With Booster (not available in all states).

* Fee and multi-year options are not available in all states.

SELECT MY PRODUCT

Product Version

You have the choice of a FlexMark Select product that will help you meet your financial goals: a product with a vesting premium bonus to help jump-start your earnings, or a nobonus product that offers stronger interest crediting rates.

SELECT MY

PRODUCT

SELECT MY

STRATEGIES

SELECT MY

RIDER

Bonus

A vesting premium bonus is calculated as a percentage of your premium, and is placed into a separate account called the bonus account.

Example: $100,000 premium x 6% bonus

My Choice:

"I chose a product with a premium bonus because it boosts my

earnings right away and is available for my

beneficiaries if I die."

= $6,000 bonus

The bonus applies on all premium received in Year 1. It begins earning interest immediately (also held in the bonus account).

No Bonus

The bonus account vests into your annuity over a period of 10 years, according to a vesting schedule. Once it is fully

By offering stronger interest crediting rates than similar bonus

products, FlexMark Select no-bonus products allow your

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vested, the bonus account will be added into your annuity's

money more growth opportunity.

accumulation value.

A no-bonus product is a wise choice for people who are

The policy's death benefit includes the full bonus account (vested and non-vested). If you surrender your policy or take withdrawals, the bonus account will reduce proportionately to the surrender or withdrawal amount.

focused on maximizing their growth potential. Also, a no-bonus product is recommended for those who anticipate taking withdrawals, because the bonus account is reduced by withdrawals.

To learn more about the vesting premium bonus option available to you, please refer to the accompanying product insert.

My Choice:

"By putting $200,000 or more into my FlexMark

Select annuity, I know my money has the opportunity to work

harder for me."

Premium Amount

You determine the right amount of money to put in your annuity during the first policy year to help you best achieve your financial goals. FlexMark Select allows for premium amounts of $25,000 to $1,000,000 and, during the first year, additional premium amounts of at least $5,000. It also offers two bands of interest crediting rates.

SELECT MY PRODUCT

For initial premium of $200,000 or more, you'll be rewarded

with higher interest crediting rates, giving your money

opportunity for greater earnings. Over the life of the policy,

upgraded band rates will apply as long as your accumulation

value remains at $200,000 or more. If your accumulation

value is below $200,000, you can be bumped into the

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upgraded band for the next interest crediting period if your

accumulation value reaches or surpasses $200,000. You can

also move from the upgraded band into the standard band if

your accumulation value becomes less than $200,000.

7.5%

SELECT MY STRATEGIES

SELECT MY

PRODUCT

Cap: 5%

SELECT MY

STRATEGIES My Choice:

SELECT MY

RIDER

"I plan to take some withdrawals to pay for world travels and don't want to miss out on index credits, so I allocated some of my money to

the fixed account."

Cap--A maximum

5%

rate of interest that will be credited to the annuity.

Interest Crediting Strategies

For example, if the market increases 10% over the index period, and the cap is 5%, interest credited

Your annuity's growth potential is driven by your selection of interest crediting strategies. FlexMark Select offers a variety of strategies that will help you achieve your financial goals.

would be 5%.

Fixed Account--The fixed account offers a competitive interest rate that

Participation Rate: 70%

is guaranteed* for a 12-month period. Interest accrues daily and is credited monthly rather than at the end of the 12-month period, making the fixed

account a suitable choice for a portion of your money if you anticipate

taking periodic withdrawals.

Participation Rate--A

Index Options--An index option is a type of interest crediting strategy that

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percentage that is

multiplied by the pe7rc.5en%t

of index change to

determine interest credited

calculates the interest rate based on the performance of a market index,** such as the S&P 500?. FlexMark Select offers multiple index options tied to various indices, allowing diversification within your annuity.

to the annuity. For example, if the market increases 10% over the index period, and the participation rate

When you allocate your money to an index option, you have the opportunity to benefit from market gains without exposing your money to market declines. That's because interest credited will never be less than 0%. In

is 70%, interest credited

exchange for this protection, interest credited is limited to a percentage

would be 7%.

Interest credited on the index options is limited to a cap, participation rate, or both.

* Guarantees are based on the claims-paying ability of Ameritas Life Insurance Corp. ** Keep in mind that you're not actually participating in the market or investing in any stock or bond.

Cap: 5%

of market increases (a participation rate) and/or an earnings ceiling (a cap). FlexMark Select offers index options that include a cap, participation rate, or both.

You have the ability to transfer your money at the end of each index period into any available interest crediting strategy, allowing you the flexibility to adapt to changing sensibilities and times.

FlexMark Select gives you the choice of a no-fee or fee version of each index option.

? Fee Option--In exchange for paying a fee, you will receive higher caps and/or participation rates than are available on the no-fee option. This translates to the opportunity for greater earnings. Index options with a fee are an excellent choice if you are looking to maximize your growth potential. Fee options are not available in all states.

? No-Fee Option--If you're not interested in paying a fee, a traditional no-fee option, which offers competitive rates, is a solid choice.

? Fee and No-Fee Combination--FlexMark Select allows you the flexibility to diversify your money among all available crediting strategies. That means you can split your premium among fee options, no-fee options, and the fixed account-- allowing you to customize your accumulation path.

To adapt your earnings approach as you see fit, you have the ability to transfer your money into or out of the fixed option, fee option(s), or no-fee option(s)--or a combination thereof-- at the end of each index period.

For descriptions of available index options, refer to the accompanying index option inserts.

SELECT MY STRATEGIES

My Choice:

"I'm a big believer

that you get what you

pay for, so I chose to

put a good portion of

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my money in the fee

options."

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