An annuity is a contract between you and an insurance company which provides for future income payments in exchange for your investment now.

Tax-Deferred Retirement Savings
Variable annuities are long-term investment vehicles that are popular retirement savings products. Any earnings grow tax-deferred and are subject to ordinary income taxes only when you take an income from your annuity. However, this tax deferral means more of your money is currently working for you, which can help you accumulate more. Plus, unlike other tax-deferred retirement products that are subject to plan contribution limits, a variable annuity can be used outside any plan to make unlimited contributions toward your retirement.

Investing Convenience
A variable annuity offers you the convenience and flexibility of investing in one product with multiple investment options from multiple money managers. You can select the options to match your investment strategy. As your needs or the economy changes, you can change your investment options without incurring immediate tax consequences.

Guarantees
Based on the claims-paying ability of Ameritas Life Insurance Corp., an annuity can guarantee you an income you cannot outlive and guarantee that your heirs will receive at least the amount you invested. Now that's peace of mind.

Variable annuities are issued by Ameritas Life Insurance Corp. and underwritten by affiliate Ameritas Investment Corp. Variable annuities are suitable for long-term investing 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 and investment option prospectuses. You can obtain copies on this website or by calling 800-745-1112. Read the prospectuses carefully before investing.

Withdrawals of policy earnings are taxable and, if taken prior to age 591/2, a 10% penalty tax may also apply.