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.
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.
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?
👉 Request Your Custom Annuity Quote
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.
📞 Call us at 800‑533‑5969
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