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Annuity Cost Comparison

 

Use the tool below to discover the difference lower fees can make on potential growth of an annuity policy. Over time, small differences in fees can make a big difference. Each situation is different, and investment performance will vary over time, especially for a long-term investment. Changing to a lower-cost policy may save you money and allow more of your investment to work for you.

 

Make some assumptions regarding annual return, investment amount and the investment period. Input information about your current annuity's principal annual expenses, or enter other expense assumptions you'd like to consider. Compare them to the Ameritas No-Load Variable Annuity current charges and the insurance industry average according to the Morningstar® Annuity Research Center 2009 Industry Expense Report. For detailed information about any variable annuity's expenses, limits and risks, read its prospectus before you invest or send money.

 


Ameritas No-Load Variable Annuity Prospectus

 

  Ameritas No-Load Variable Annuity Industry Average* Your Annuity
M&E/Admin Fees: 0.60% 1.42%   %
Weighted Average Fund Expense: 0.53%** 0.91%   %
Total Fees: 1.13% 2.33%   %
           
  Annual Return*** (before expenses):   %
  Initial Premium: $

 
  Investment Period:   years
           
       

 

M&E/Admin Fees assume current, not maximum, charges.  Maximum charges would result in higher total fees and lower annuity value for both the Ameritas No-Load Variable Annuity and Industry Average Annuity. 
* Based on Morningstar® Annuity Research Center 2009 Industry Expense Averages. Weighted Fund Expense Average uses an asset weighted calculation of contract fund expenses (i.e. Total Fund Expense Average - TFEA). © Copyright 2010 Morningstar, Inc.All Rights Reserved.  The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely.  Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information.  Past performance is no guarantee of future results.

 

** Weighted Average fund expense assumes a Fund Management fee (total fund operating expense including investment management fee and other fund expenses) based on the ratio of each of the subaccounts assets including the fixed account to all portfolios as of December 31, 2009. 
*** Higher annual rates of return generally result in greater risk of loss of principal.

 

The Ameritas No-Load Variable Annuity (form 6150) is issued by Ameritas Life Insurance Corp. and underwritten by affiliate Ameritas Investment Corp. 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, 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, which are available on this web site. Please read the prospectuses carefully before investing or sending money.