Ameritas ApexAdvantage – Flexible Growth, Lifetime Income, and Protection in One Annuity
At Diversified Insurance Brokers, we specialize in annuity strategies that help you grow your wealth while protecting your future income and legacy. The Ameritas ApexAdvantage Fixed Indexed Annuity is a comprehensive product that offers growth opportunities, guaranteed downside protection, and a wide range of flexible features. Ameritas Insurance Company offers a wide range of insurance products.
If you’re planning for retirement and want to combine market participation with secure, long-term benefits, ApexAdvantage may be the right fit for your strategy.
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Market Growth with Guaranteed Protection
The ApexAdvantage annuity offers access to multiple index crediting strategies, including options tied to the S&P 500. With a 0% floor, your contract value is fully protected from market downturns while allowing you to benefit from potential market gains.
For those who prefer a more conservative approach, the product also includes a fixed account option for guaranteed interest growth.
Accumulation and Enhanced Income Potential
One of the key features of this annuity is its Premium Accumulation Value (PAV), which can increase the base used to calculate future income. Over time, this can significantly improve your long-term payout potential—especially when paired with the product’s lifetime income riders.
Choose from:
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FutureNow Rider
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FutureNow Rider With Booster, which doubles income payouts if the contract owner cannot perform 2 of 6 Activities of Daily Living (ADLs)
These options give you both peace of mind and income security in the event of a long-term care need or major health change.
Liquidity and Protection When Life Happens
The ApexAdvantage annuity is designed to be flexible and responsive when you need access to your funds:
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Penalty-free withdrawals up to 10% annually, starting in year two
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Waivers for confinement, terminal illness, and home health care
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Return of premium feature beginning in contract year 5
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Guaranteed death benefit to protect your legacy
This blend of liquidity, flexibility, and protection makes ApexAdvantage a strong fit for retirees seeking both control and security.
Want to see how it could work for your retirement plan?
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Backed by the Strength of Ameritas
Ameritas Life Insurance Corp. has a long-standing reputation for financial strength and client-first service. When paired with the expertise of Diversified Insurance Brokers, you gain a retirement plan that’s customized for your lifestyle, goals, and risk tolerance.
We’ll help you evaluate every feature—so you can move forward with clarity and confidence.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: Ameritas ApexAdvantage Annuity
What is the Ameritas ApexAdvantage annuity?
ApexAdvantage is a fixed indexed annuity from Ameritas designed to deliver principal protection, index-linked growth potential, and long-term retirement accumulation with no direct exposure to market losses.
Is ApexAdvantage available to all agents?
No. ApexAdvantage is an exclusive-distribution annuity offered only through a limited group of appointed agencies. Diversified Insurance Brokers is part of that select group, making this product accessible to our clients when many agents cannot offer it.
How does the annuity credit interest?
Interest is credited based on index strategies chosen by the policyholder. These may include participation-rate strategies, cap strategies, or spread-based methods, allowing for accumulation tied to index performance while avoiding downside losses.
Does ApexAdvantage include a fixed-interest option?
Yes. In addition to indexed strategies, the product typically includes a fixed-rate allocation for stable, guaranteed growth within the same contract.
What protection does the annuity provide against market declines?
Your account value will never decline due to negative market performance. If the selected index performs poorly, the contract simply earns zero interest for that period — but never loses value.
Are penalty-free withdrawals available?
Most versions allow limited penalty-free withdrawals each year after the first contract anniversary. Early full surrender or excess withdrawals during the surrender period may reduce your contract value or trigger charges.
Is there a Market Value Adjustment (MVA)?
Some contract designs include an MVA. If applicable, an early withdrawal beyond allowed limits may result in an upward or downward adjustment based on prevailing interest rates.
Can I use retirement assets to fund ApexAdvantage?
Yes. The annuity can accept qualified assets such as IRA or 401(k) rollovers, as well as non-qualified savings.
Does ApexAdvantage include an optional income rider?
Depending on state availability and version, the contract may offer an income rider that creates a lifetime withdrawal benefit base for long-term guaranteed income.
Who is ApexAdvantage best suited for?
This annuity fits individuals seeking protected accumulation, competitive index-linked returns, and access to a specialty product not widely available in the open marketplace.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
