Ameritas Advisor Services

Annuities are long-term investment vehicles designed to supplement income during retirement years. If your clients are concerned about protecting their financial future, we've developed the product that may be right for you to use in helping them plan for retirement income!

The variable annuity industry represents over $1.35 trillion in total net assets as of December 31, 2009.*
Did you know:

• That the average insurance and administrative expense of a variable annuity is 1.42%.**
• That if your client purchased an annuity in early 2000 it is probably reaching the end of its 7-year surrender charge period?
• That if your client's annuity is at, or near, the end of their surrender charge period, you may be able to lower your client's variable annuity expenses by more than 50% while bringing more assets under management?

Some of the benefits of the Ameritas No-Load Variable Annuity include:

• No Load-Lower insurance fees means more money that you have to put to work for your client.
• No Withdrawal Charge-There's no penalty for canceling the policy at any time, which gives your clients flexibility (Gains are taxed as ordinary income and additional penalties may apply to withdrawals prior to age 59½).
• Guaranteed Lifetime Withdrawal Benefit (GLWB)-A flexible source of income your clients can count on for as long as they need it.
• Trusted Investment Fund Managers-Vanguard® VIF, Fidelity® VIT, Calvert Variable Series, PIMCO VIT, T. Rowe Price, Third Avenue and many more.
• More than 50 Investment Options-Covering a full range of asset classes.
• Excellent Rollover Opportunities-Compare the cost of an existing annuity.

Lower Costs
Keep in mind all insurance policies have charges. But with no sales loads or surrender charges, no load policies usually cost less. Plus, the current (and even the guaranteed) insurance expenses of the Ameritas No-Load Variable Annuity are lower than the average annuity's current expense charges-cost savings that go right to the bottom line.

When you invest your clients' assets with Ameritas, tax-deferred income has the potential to grow with no strings attached. Investment options carry their own costs and variable annuities have investment risk including the possible loss of principal.