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Compass Index Annuity - what is an index annuity


Compass Index Annuity-what is an index annuity

Compass Index Annuity
Flexible Premium Indexed Annuity
AN 1296 11-19
Imagine having the safety of
principal with the opportunity
to grow your money. You can
have both with an annuity
that's designed to give you
the potential for growth
without the risks associated
with investing in the stock
market.* The opportunity
for growth is balanced with
a 0% floor, protecting your
policy from negative market
conditions.** Trust Ameritas?
to show you the way.
* Keep in mind that you're not actually participating in
the market or investing in any stock or bond.
** Guarantees are based on the claims paying ability of
Ameritas Life Insurance Corp.
with Compass Index
Annuity, you'll get:
? upside potential
? downside protection
? balanced safety
and growth
at Ameritas, we believe it's
possible to be prepared for We are Ameritas?
retirement. Life will never be free from uncertainty. But when
uncertainty is minimized, life can be maximized.
We'll help you design a balanced This is our calling at Ameritas. We offer
insurance, retirement and investment products.
portfolio to withstand inflation. And we service them in a highly welcoming,
Most of us can expect to live a longer, healthier life in
ethical and professional manner that builds
retirement--well into our 80s and even early 90s. That's the
lasting trust and enduring relationships.
good news. But you need to have a balanced plan in order We're here to help customers put worry behind
to live life to its fullest in retirement. and the future ahead. And to help enable a
In the pre-retirement stage, equity-linked growth is key
life that's rich in family, happiness, health and
to helping assets keep up with inflation for the long haul.
financial security. When lives are fulfilled, our
An equity indexed annuity provides the potential for cash
mission is fulfilled.
accumulation with an interest rate linked, in part, to the As a mutual organization we always put our
performance of one or more equity indexes. This may customers first. With our long-standing financial
help manage longevity and inflation risk. strength, we've established a tradition of striving
to deliver the very best in products and services
Achieve Your Goals with a generation after generation. Though we're proud
Balanced Portfolio of our group ratings from Standard & Poor's and
A.M. Best Company, we measure our success
An indexed annuity offers choices that can help you by how many people we've helped. By how
achieve a balance of upside potential and downside many promises are kept. That's the true measure
protection that you may need to diversify your portfolio. of who we are.
You can allocate your money to one of the following:
? Fixed Account
We are Ameritas: proud to say we're in the
Money in a fixed account earns a fixed interest rate.
business of fulfilling life.
? Index Options2
Money in an index option earns an interest rate,
linked, in part, to the performance of an index.
? Combination
To give your portfolio added balance, you can
allocate your money to both the fixed account be prepared
and the index options in any whole percentage Did you know that over 86% of Baby Boomers
you select. who plan for retirement with the help of a financial
No matter which option you select, all of your earnings will professional say they are better prepared as a result
grow tax-deferred, which means you won't pay income of their representative's help?1
taxes on your earnings until you make a withdrawal.3
2 Annuities with an index option may be referred to as equity index
annuities. The index options are not securities; you are not investing
in stocks or in the indexes themselves. Therefore credited interest
does not include dividends paid by companies included in the
relevant index. The credited interest rate is linked, in part, to gains
in any combination of indexes. Keep in mind, you are not actually
participating in the market or investing in any stock or bond.
3 Withdrawals of policy earnings are taxable and, if taken prior to
age 59?, a 10% penalty tax may also apply. The information
presented here is not intended as tax or other legal advice. For
1 Boomers Expectations for Retirement 2015, Insured Retirement application of this information to your specific situation, you should
Institute, irionline.org. consult an attorney.

Are index annuities good investments? The index annuity protects your savings against losses, making it a relatively safe investment. You get some market upside with less of the risk. Potential preservation of market gains. Your contract could lock in your gains periodically, like once a year. That way you don’t have to worry about future market downturns erasing your earnings.