Ameritas FlexMark Select Annuity – Market Growth, Lifetime Income, and Customizable Retirement Protection
A Balanced Solution for Growth and Guaranteed Income
At Diversified Insurance Brokers, we help clients design retirement strategies that combine upside potential with stability and predictability. The Ameritas FlexMark Select Fixed Index Annuity, issued by Ameritas Life Insurance Corp., is engineered to give you both: market-linked growth with no downside risk, and a flexible approach to generating guaranteed lifetime income.
Whether you’re still saving or transitioning to income, this annuity adapts to your stage of retirement.
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Flexible Index Strategies with Principal Protection
The FlexMark Select annuity offers a diverse mix of index crediting options including:
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S&P 500® Index
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Nasdaq-100® Index
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And other proprietary market indices designed for consistent performance
These strategies give you market-based growth potential, while your principal remains fully protected from negative returns—an essential feature for retirement stability.
To compare the FlexMark Select with other fixed index annuities in today’s market, submit our quick annuity quote request form and we’ll create a personalized breakdown based on your financial goals.
Income Riders and Customizable Bonus Options
The annuity includes optional Guaranteed Lifetime Withdrawal Benefit (GLWB) riders that allow you to turn your annuity into a reliable stream of lifetime income, even if the account value is eventually depleted.
You also have the choice between a premium bonus version or a non-bonus version of the contract, depending on your goals for accumulation vs. income—giving you more control over how your annuity works for your plan.
Health-Triggered Boosts and Liquidity Features
A unique feature of this annuity is the MyFit Income Rider With Booster, which increases your withdrawal benefit if your health declines and you meet specific criteria. This creates a powerful alternative to traditional long-term care insurance.
Other built-in features include:
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Penalty-free withdrawals of up to 10% annually after the first year
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Full accumulation value paid to beneficiaries, ensuring a clean and efficient estate transfer
These features provide income flexibility and protection, even as life changes.
Who This Annuity May Be a Good Fit For
The Ameritas FlexMark Select Annuity is well-suited for:
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Individuals looking for customizable market-linked growth
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Retirees or pre-retirees who want a guaranteed income stream for life
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Clients seeking a premium bonus or no-bonus option tailored to their accumulation needs
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People concerned about health-based income disruptions, who want a built-in income boost
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Those prioritizing flexibility, liquidity, and simple legacy transfer
Whether you’re planning now or preparing to retire soon, this annuity offers a range of tools to support your evolving goals.
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 FlexMark Select Annuity
What is the Ameritas FlexMark Select Annuity?
The FlexMark Select Annuity is a fixed or fixed-indexed annuity offered by Ameritas that aims to combine principal protection with potential steady growth through fixed-rate or index-linked crediting. It is meant for savers who want a structured, contract-based approach to retirement accumulation.
How does interest or growth crediting work?
You may choose a fixed-interest crediting option or allocate funds to one or more index-linked crediting strategies. If you select an index option, interest credits are calculated using a formula — often caps, participation rates, or spreads tied to index performance. Importantly, your funds are not directly invested in the market; only the crediting calculations reference index performance.
Is my principal protected from market volatility?
Yes. Because FlexMark Select is a fixed or fixed-indexed annuity, the accumulation value — your principal plus any credited interest — is shielded from market losses. Negative index performance may result in zero credited interest for that period, but your existing value remains intact (assuming no withdrawals or surrender actions).
Can I access money before income or maturity?
Many contracts allow limited annual free withdrawals after the first contract year — a small percentage of account value — without surrender charges. Withdrawals beyond that limit or full surrender during the surrender-charge period may trigger penalties and could reduce future crediting or benefits.
What are surrender-charge and liquidity constraints?
There is typically a surrender-charge period, during which early surrender or excessive withdrawals may incur fees, reduce credited interest, or eliminate benefit guarantees. Because of this, FlexMark Select is best suited for funds you intend to leave invested for several years.
Does FlexMark Select offer payout or lifetime income options?
Depending on the contract version and any riders selected, you may have the option to convert accumulation value into structured income or lifetime payments when you are ready. Review rider terms, payout rates, and any associated fees before choosing to convert to income.
How are earnings and withdrawals taxed?
Earnings grow tax-deferred while the money remains in the annuity. When you take withdrawals or start income payments, the taxable portion is generally taxed as ordinary income. Withdrawals before age 59½ may also be subject to additional IRS penalties depending on your circumstances.
Who might FlexMark Select be a good fit for?
This annuity may appeal to individuals who want principal protection, tax-deferred growth, and a balanced approach to growth potential without direct market exposure. It is often suited for conservative to moderate savers with a medium- to long-term horizon. For context on what to expect from fixed and indexed annuities in general, check our fixed indexed annuity primer.
What should I review before buying?
Before purchasing, double-check the crediting method (fixed vs index-linked), the surrender charge schedule, free-withdrawal allowances, liquidity needs, optional rider or payout fees, and whether the contract duration matches your financial timeline and retirement goals.
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.
