ApexAdvantageSM Fixed Index Annuity Launches, Focused on Competitive Early Income – InsuranceNewsNet


Ameritas Life Insurance Corp. (Ameritas) today announced the launch of ApexAdvantage, a new limited distribution annuity product available exclusively through a select group of Independent Marketing Organizations (IMOs): Advisors Excel, Creative One and Gradient Financial Group.

“We are delighted to partner with these prestigious IMOs,” said Robert JürgensmeierDeputy Managing Director Independent Distribution and Investments, Ameritas. “They have consistently demonstrated strong leadership and commitment to serving their grower network, making them an excellent choice for ApexAdvantage’s exclusive distribution rights. Throughout the product development process , they provided invaluable input, helping to design a product that meets a consumer need in today’s marketplace. ApexAdvantage is the product to compare to when it comes to immediate revenue.”

Focused on competitive early income, ApexAdvantage with an optional FutureNow RiderSM The Lifetime Withdrawal Guarantee* provides large payouts for clients who want the flexibility to start enjoying their future now. Designed to be one of the best guaranteed income products in years 1, 2 and 3, ApexAdvantage payouts can be activated as early as 30 days after policy issue, for anyone aged 50 or over. Payouts are powered by a base bonus of 25% on immediate benefits.

By choosing the Enhanced FutureNow with Booster* rider, customers can receive double income in the event of health decline, even for the joint spouse rider option. Enhanced income payments are activated upon inability to perform two of the six activities of daily living. This jumper allows care anywhere, with no confinement required.

To ease concerns about inflation, ApexAdvantage offers a choice between constant income and growing income so clients can enjoy predictable, regular payments or growing payments to help offset inflation. For greater control, the choice of payment options and covered lives is made when the income is activated, rather than at policy issuance.

Ameritas collaborated with Legacy Marketing Group® develop the ApexAdvantage fixed index annuity. With exclusive distribution rights, Advisors Excel, Creative One and Gradient will provide all sales and marketing support to their insurance agents. Legacy will continue to provide support, including commission processing and managing contracts and appointments.

ApexAdvantage is currently available under a limited distribution model in 45 states and the District of Colombia. Insurance professionals should contact their participating IMO to confirm availability.


Ameritas is a trade name for Ameritas Mutual Holding Company and its affiliated subsidiaries, including Ameritas Life Insurance Corp. and Ameritas Life Insurance Corp. from New York. Founded in 1887, Ameritas offers a wide range of insurance and financial products and services to individuals, families and businesses. These products and services include life insurance; annuities; individual disability insurance; group insurance for dental, vision and hearing care; retirement plans; investments; asset Management; and public finances. Securities offered through an affiliate Ameritas Investment Company LLC., member FINRA/SIPCand investment advisory services offered under the trade name of Ameritas Advisory Services.


Legacy Marketing Group works with highly rated and respected insurance companies to design and market exclusive products that provide financial security for generations of Americans. These products are sold exclusively through the Company’s nationwide network of independent marketing organizations and insurance agents. With nearly three decades of industry experience and a relationship-driven, full-service attitude, Legacy is a recognized leader in the independent producer distribution channel. Since its inception in 1993, Legacy’s vision has been to create value for OMIs, agents and consumers by providing unique and innovative products designed to help consumers achieve their retirement goals. Legacy’s passion for innovation and service is the foundation of the company.

In approved states, ApexAdvantage Index Annuity (form ICC22 2707 with ICC22 2707-SCH or 2707 with 2707-SCH) and endorsements are issued by Ameritas Life Insurance Corp. (Ameritas) located at 5900 West Street, Lincoln, NE 68510. ApexAdvantage Indexed Annuities are modified single premium deferred annuities that offer a fixed interest option and indexed interest options. Index options are not securities. Remember that your clients do not participate in the market and do not invest in stocks or bonds. Policies, index strategies and endorsements may vary and may not be available in all states. Optional features and add-ons may have limitations, restrictions, and additional fees. Product warranties are based on claims-paying ability Ameritas Life Insurance Corp. Refer to the brochures for more details. Ameritas® and the bison design are registered service marks of Ameritas Life Insurance Corp. fulfilling life® is a registered service mark of an affiliated company Ameritas Holding Company. Unless otherwise stated, any person or entity referenced herein is not affiliated with Ameritas or any of its affiliates.

*Available at a current annual charge of 1.25% for FutureNow Rider and 1.35% for FutureNow Rider With Booster.



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Jennaca M. Markoe

Communications Manager

Legacy Marketing Group

800-395-1053 ext. 5808

[email protected]

Derek Rayment
Senior Media Relations Specialist



[email protected]

Source: Ameritas Life Insurance Corp.


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