Product Details
Product Name
ApexAdvantage
Annuity Type
FIA
Issuing Insurance Company and Ratings
Ameritas (Legacy)
Ratings
A.M. Best
A
3rd of 15
Standard & Poor's
A+
5th of 22
Fitch
N/A
N/A
Product Information
The ApexAdvantage FIA is a Modified Single Premium Deferred Fixed Indexed Annuity with a 10 year surrender charge period and an MVA provision. Features include:
– Highly competitive, income-focused FIA designed to be among the top products for guaranteed income in withdrawal deferral periods 0, 1, 2, and 3.
– FutureNow Rider (with charge)
– FutureNow Rider with Booster (with charge)
Key Features
Premium Types: 1st Year or Less
Minimum Premium: $25,000
Maximum Premium: $2,000,000
Free Look Period: 10 Days
Rate Lock Period: 45 Days
Rates
Effective Date: 01/01/2026
Next Change: N/A — not specified
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Effective Date: 01/01/2026
Next Change: N/A — not specified
Premium Amount: $25,000 - $2,000,000
Current
0 Year Guarantee Period Annual Yield:
3.7%
Interest rate start of year 1 through end of year 0:
3.7%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
Not available in GU NY PR VI
Withdrawal Provisions
First Year Withdrawals: No
Withdrawal Years 2+: 10%
Wait Period Interest Only : 1 Year
Withdraw from the accumulation Value After : One Year
Minimum Policy Value : $500
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: No
Min Withdrawl Amount: $500
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 85
State Restrictions: Not available in GU NY PR VI