Smart Growth with Built-In Protection

The ApexAdvantage annuity offers a selection of index crediting strategies, including the S&P 500, all with a 0% floorto guard against market losses. If you prefer consistency, a fixed account option is also available for stable, guaranteed interest accumulation.

The policy includes a Premium Accumulation Value (PAV) feature that increases the base used to calculate your income—providing meaningful long-term value for retirees focused on maximizing payouts.

Income That Adjusts to Your Life

For clients seeking lifetime income, this annuity includes two rider options:

• FutureNow Rider

• FutureNow Rider With Booster, which doubles your income if you become unable to perform 2 of 6 Activities of Daily Living (ADLs)

These riders give you peace of mind by ensuring steady income even if your health needs change. It’s a powerful alternative to traditional long-term care planning.

Access and Flexibility When It Matters Most

ApexAdvantage also includes multiple ways to access your money without penalty:

• 10% free withdrawals each year, beginning after year one

• Waivers for confinement, terminal illness, and home health care

• A Return of Premium feature after year five, allowing you to recover 100% of your paid-in premium (less withdrawals)

• A guaranteed death benefit for beneficiaries

This flexibility ensures you maintain control—no matter what retirement brings.

Want to see how this product can work in your retirement plan?
👉 Request Your Custom Annuity Quote

Trusted Strength from Ameritas

Ameritas Life Insurance Corp. is known for stability, reliability, and a long track record of meeting policyholder obligations. When you work with Diversified Insurance Brokers, we pair that carrier strength with personalized guidance—so you get the right annuity for your goals.

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