Whether you can retire now with guaranteed lifetime income or you’re working towards accumulating more money for retirement, you can put a plan in place to guarantee lifetime income. Contact your Ameritas financial professional for more information. This information is provided to you as educational content intended to show you how to calculate your expenses. Actual results may vary.

Guarantees are based upon the claims-paying ability of Ameritas Life Insurance Corp. and do not apply to the investment performance or account value of the underlying variable portfolios. Withdrawals are subject to taxation and may result in federal tax penalties if taken before age 59½. The Waypoint Income Rider is not available on previously issued business and is subject to additional limitations, restrictions and conditions.

In approved states, Direction Variable Annuity (form 6200) and the Waypoint Income Rider (form LWBR) are issued by Ameritas Life Insurance Corp. and underwritten by affiliate, Ameritas Investment Corp. Variable annuities are subject to investment risk, including possible loss of principal. Before investing, carefully consider the investment objectives, risks, charges, expenses, and other important information about the policy issuer and underlying investment options. This information can be found in the policy and investment option prospectuses. Read the prospectuses carefully before investing.

Guaranteed Accumulation Explained

Assuming an initial investment of $100,000, your premium accumulation value (assuming no withdrawals) would grow to $162,889 at the end of 10 years if the net investment return was negative throughout. Your premium accumulation value is the sum of premiums paid plus interest at the premium accumulation rate compounded annually for the premium accumulation period. The premium accumulation value is not the same as your accumulation value, so it cannot be withdrawn and is not payable as a death benefit. The following hypothetical table is intended to show the effect of a 5% annual premium accumulation rate on your premium accumulation value over 10 years. It is not intended to predict or project investment results. The accumulation value and surrender value assume maximum charges. Actual results may vary.

The -2.30% net annual return is equal to the 0% gross annual return minus the sum of the maximum mortality and expense risk charge (1.00%), maximum administrative expense charge (0.35%) and average fund expense assuming the VM Growth Model (0.95%). All charges are expressed as a percentage of accumulation value.

The accumulation value and surrender value also include the maximum Waypoint Income Rider charge for the single life option (2.00% of rider charge base.)

This calculator is based on a guaranteed 5.00% annually compounded premium accumulation rate (0% in policy years in which a withdrawal is taken) and distribution factors that vary by retirement age and rider option. Refer to your client brochure for specific information.

Put your plan in place. Whether you can retire now with guaranteed lifetime income or you’re working towards accumulating more money for retirement, you can put a plan in place to guarantee lifetime income. Contact your Ameritas financial professional for more information. These calculations are based on information provided by you. Actual results may vary. The calculator is limited to showing the guaranteed features of the Waypoint Income Rider and does not show the effect of fees, charges and expenses of the policy and the underlying funds nor does it show the effect of the additional rider fee or the actual variable annuity policy value.

This information is provided to you as educational content intended to show you how to calculate your expenses and guaranteed income with the Waypoint Income Rider. These calculations assume no additional purchase payments or withdrawals. They are not intended to predict or project future policy and surrender values.

Guarantees are based upon the claims-paying ability of Ameritas Life Insurance Corp. and do not apply to the investment performance or account value of the underlying variable portfolios. Withdrawals are subject to taxation and may result in federal tax penalties if taken before age 59½. The Waypoint Income Rider is not available on previously issued business and is subject to additional limitations, restrictions and conditions.

In approved states, Direction Variable Annuity (form 6200) and the Waypoint Income Rider (form LWBR) are issued by Ameritas Life Insurance Corp. and underwritten by affiliate, Ameritas Investment Corp. Variable annuities are subject to investment risk, including possible loss of principal. Before investing, carefully consider the investment objectives, risks, charges, expenses, and other important information about the policy issuer and underlying investment options. This information can be found in the policy and investment option prospectuses. Read the prospectuses carefully before investing.