Ameritas Direct The No-Load Insurance Pioneer

1-800-555-0955

Product Details

Minimum Premium	Initial: $2,000 Additional: $250 Automatic Bank Withdrawal: $50

Maximum Premium	$1 million (higher amounts may require prior approval)

Policy Charges	Sales Load: None. Withdrawal Charge: None. Policy Charge: $40 (guaranteed not to increase). Fee waived for policy values of $50,000 or greater. M&E Risk Charge: 0.60% currently, (maximum .80%) Premium Taxes: If required by state.

Guaranteed Lifetime Withdrawal Benefit	Charges apply only if rider activated after owner age 50. Single: 0.95% (current and guaranteed) Joint Spousal: 1.10% (current and guaranteed) Guarantees based on the claims paying ability of the insurer. May not be approved in all states.

Transfers	No limit on number of transfers. First 15 transfers per policy year are free. Additional transfers may incur a $10 fee per transfer. Minimium transfer is $250. Must maintain Fixed Account Balance of $100 and Subaccount Balance of $250.

Guaranteed Death Benefit	If the owner dies prior to annuitization, the designated beneficiary is paid the greater of policy value or premiums paid less a proportional reduction for withdrawals. Guarantee is based on the claims-paying ability of Ameritas Life Insurance Corp.

Partial Withdrawals	No withdrawal charges. Minimum: $250 ($1,000 must remain in account). Withdrawals are irrevocable and are taxed as ordinary income. There is a 10% IRS penalty tax for withdrawals prior to age 59 1/2. Systematic withdrawals are available on request.

Annuitization	Annuitant's age 85 or five years after the issue date, whichever is later. Can be deferred to annuitant's age 95.

Loans	Not available.

Retirement Markets	Non-qualified, IRA, SIMPLE, Roth, SEP, 401(a), 401(k)

Issue Age	0-85, Joint Annuitants/Joint Owners Available

Related Information

Buyer's Guide

Investment Options Guide

Need Help?

Contact our salaried professionals
at 1-800-555-0955 or e-mail us at direct@ameritas.com.

Ameritas No-Load Variable Annuity (Form 6150) is issued by Ameritas Life Insurance Corp. and underwritten by affiliate Ameritas Investment Corp. Product not available in NY.

Variable annuities are suitable for long-term investing, particularly for retirement, and are subject to investment risk, including possible loss of principal. Before investing, carefully consider the investment objectives, risks, charges and expenses and other important information about the policy issuer and underlying investment options. This information can be found in the policy prospectus and investment option prospectuses available on this website or by calling 800-555-0955. Read the prospectuses carefully before investing.

ADVAW 002 Ed. 5-08