No Load Variable Annuity

The Ameritas Advisor No-Load Variable Annuity has low expenses and low fees which means more of your clients wealth goes to work from the beginning with respected financial managers like Vanguard and Dimensional Funds.

No load variable annuity. According to 123120 data on non-group open variable annuities from Morningstar Inc at 025 Fidelity Personal Retirement Annuitys annual annuity charge is significantly lower than the national industry average 110 annual annuity charge. Guaranteed Income With a Catch One often-overlooked investment vehicle that can accomplish both goals is a no-load variable annuity. Ameritas describes the No Load Variable Annuity as a product that can provide both growth and diversity two powerful elements in the building of a portfolio.

The Ameritas Advisor No-Load Variable Annuity is a multi-manager annuity with funds by Vanguard PIMCO Fidelity and PRO Funds. Getting rid of commissions removed the conflict of interest since financial advisors had a financial incentive to sell these products. Early withdrawal penalties and ordinary tax on gains still apply.

Click here to view our Annuity Showcase. Again in this example the annuity owner will simply see that the fixed annuity pays a 35 yield on 100 of the account balance eg no upfront commission paid yet the reality is that ultimately 4 of the annuity contribution was in fact pulled aside and paid to the insurance agent which the annuity company covers up front and then. Of course various charges are still imposed on these contracts but they are less than those sold by commissioned brokers.

No-load variable annuities have management and mortality and expense ME fees although usually they are significantly lower than load annuities. Removing commissions also allows fee-only. Our variable annuities offer 100 liquidity from day one meaning more flexibility for clients.

As its name implies the No Load annuity is designed to deliver maximum value by eliminating sales loads and commissions and keeping other policy charges to a minimum. No load no surrender charges. A no-load annuity is a type of retirement investment that charges lower fees and expenses than annuities usually entail.

The product comes with individual and spousal Guaranteed Lifetime. While ME charges can be more than 150 with a loaded variable annuity no-load variable annuity. Vanguard Schwab and Fidelity also offer no load variable annuities as well.