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Variable Universal Life Insurance

No-load variable universal life insurance from RetireOne platform partners can help with legacy planning and ease wealth transfer for high-net-worth clients. Because these solutions don’t pay commissions, the cost of insurance is reduced, and client value is improved.

Features

Fees/Expenses

Limits

Literature

wdt_ID	Insurance Company	Product	Solution Type	Return of Premium Death Benefit	Investment Options/Crediting Methods	Fund Families	Fixed Account Availability	Ultra Low-Cost Funds	Surrender Penalty	Lifetime Income Benefit	Penalty Free Withdrawals	Systematic Withdrawals	Dollar-Cost Averaging
1	Allianz Life	Index Advantage ADV℠	1	included in M&E charge	4	N/A	No	No	Yes	No	Yes	Yes	No
2	Allianz Life	Retirement Foundation ADV℠	2		4	N/A	Yes	N/A	Yes	Yes	Yes	Yes	No
3	Ameritas	Advisor No-Load VA	3	included in M&E charge	65	15	Yes	DFA & Vanguard	No	No	Yes	Yes	Yes
4	Ameritas	Compass SPIA	4		N/A	N/A	Yes	N/A	No	Yes	Yes	N/A	No
5	Ameritas	SPDA 2000	5		N/A	N/A	Yes	N/A	Yes	N/A	Yes	Yes	No
6	Ameritas	No-Load VUL	6		N/A	N/A	N/A	N/A	No	N/A	N/A	N/A	N/A
7	Ameritas	Value Plus Term Life Insurance	7		N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
8	Great-West	Great-West Smart Track^® Advisor	3	0.20%	92	36	No	DFA (a)	No	Yes	Yes	Yes	Yes
10	Great American Life	Index Protector℠ 7	2		4	N/A	Yes	N/A	Yes	Yes	Yes	Yes	No
11	Nationwide	New Heights® 9	2		4	N/A	Yes	N/A	Yes	Yes	Yes	Yes	No

wdt_ID	Insurance Company	Product	Solution Type	M&E Charge	Admin Charge	Return of Premium Death Benefit Fee	Annual Contract Maintenance Fee	Portfolio Expense Range (a)	Average Portfolio Expense (a)	Surrender Charge Schedule	Penalty Free %
1	Allianz Life	Index Advantage ADV℠	Index-Linked Annuity	0.25%	0.00%	included in M&E charge	$50 < 100k	0.65%-0.73%	0.69%	6.5,6,5,4,3,2	10%
2	Allianz Life	Retirement Foundation ADV℠	Fixed Indexed Annuity	N/A	N/A	N/A	N/A	N/A	N/A	6.5,6,5,4,3,2,1	10%
3	Ameritas	Advisor No-Load VA	Variable Annuity	0.45%	0.00%	included in M&E charge	$40 < $50k	0.15%-3.76%	0.76%	N/A	100%
4	Ameritas	Compass SPIA	Single Premium Immediate Annuity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	None
5	Ameritas	SPDA 2000	Single Premium Deferred Annuity	N/A	N/A	N/A	N/A	N/A	N/A	7,6,5,4,3,2	10%
6	Ameritas	No-Load VUL	Variable Universal Life	0.70% years 1-15, .10% years 16+	N/A	N/A	N/A	N/A	N/A	N/A
7	Ameritas	Value Plus Term Life Insurance	Term Life Insurance	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
8	Great-West	Great-West Smart Track^® Advisor	Variable Annuity	0.20%	0.00%	0.20%	N/A	0.19%-6.52%	0.95%	N/A	100%
10	Great American Life	Index Protector℠ 7	Fixed Indexed Annuity	N/A	N/A	N/A	N/A	N/A	N/A	7,7,7,6,5,4,3	10%
11	Nationwide	New Heights® 9	Fixed Indexed Annuity	N/A	N/A	N/A	N/A	N/A	N/A	9,9,9,9,8,7,6,5,4 (some states differ)	7%

wdt_ID	Insurance Company	Product	Solution Type	Availability	Minimum Initial Investment	Maximum Issue Age	Max Total Contributions w/o Approval
1	Allianz Life	Index Advantage ADV℠	1	48 states (not NY,AK)	$ 10,000	80	$ 1,000,000
2	Allianz Life	Retirement Foundation ADV℠	2	49 states (not NY)	$ 10,000	80	$ 1,000,000
3	Ameritas	Advisor No-Load VA	3	49 states (not NY)	$ 2,000	85	$ 1,000,000
4	Ameritas	Compass SPIA	4	50 states?	$ 5000 deposit or $ 50/Mo. Payout	85	$ 1,000,000
5	Ameritas	SPDA 2000	5	50 States?	$ 10,000	85	$ 1,000,000
6	Ameritas	No-Load VUL	6	50 States?	$ 100,000	80	$ 10,000,000
7	Ameritas	Value Plus Term Life Insurance	7	50 States	N/A	80	N/A
8	Great-West	Great-West Smart Track^® Advisor	3	50 states	$ 10,000	85	$ 1,000,000
10	Great American Life	Index Protector℠ 7	2	49 states (not NY)	$ 100,000	85 (inherited 75)	$ 2mill to 75, $ 1mill 81+
11	Nationwide	New Heights® 9	2	49 states (not NY)	$ 25,000	80	$ 1,000,000

wdt_ID	Insurance Company	Product	Solution Type	New York Prospectus	Benefits/Optional Rider Info	Optional Rider 2	Prospectus	Client Brochure	Learn More	Investment Options	Performance	Rates
1	Allianz Life	Index Advantage ADV℠	Index-Linked Annuity				Prospectus		How it works			Rates
2	Allianz Life	Retirement Foundation ADV℠	Fixed Indexed Annuity					Client Brochure	How it works			Rates
3	Ameritas	Advisor No-Load VA	Variable Annuity				Prospectus	Client Brochure	Fund Prospectus	Investment Options	Performance
4	Ameritas	Compass SPIA	Single Premium Immediate Annuity					Client Brochure
5	Ameritas	SPDA 2000	Single Premium Deferred Annuity					Client Brochure
6	Ameritas	No-Load VUL	Variable Universal Life				Prospectus	Client Brochure		Investment Options
7	Ameritas	Value Plus Term Life Insurance	Term Life Insurance					Client Brochure
8	Great-West	Great-West Smart Track^® Advisor	Variable Annuity	NY Prospectus	Income Strategy	Secure Income Series	Prospectus	Client Brochure	Product Summary	Investment Options
10	Great American Life	Index Protector℠ 7	Fixed Indexed Annuity					Client Brochure	Product Overview			Rates
11	Nationwide	New Heights® 9	Fixed Indexed Annuity						Index and Strategy Brochure	Index and Strategy Brochure		Rates

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Important Disclosures

Before replacing an annuity, review the current policy for loss of benefits or surrender charges you may incur. Some of the fees you are paying in your current annuity could be for benefits other annuities do not provide. When considering a 1035 exchange, the replacement annuity is potentially subject to additional fees including a new surrender schedule.

Testimonials may not be representative of the experience of other financial professionals. Testimonials are no guarantee of future performance or success. No fees were paid to the financial professionals who provided these testimonials.

Guarantees are subject to the claims paying ability of the issuing insurance company.

Annuities on the RetireOne platform include low-cost, commission-free products that don't charge surrender penalties. They feature low-cost underlying investment options from fund families like Vanguard and DFA with expense ratios as low as .03%, and average portfolio expenses ranging from 0.63% to 1.02%. M&E fees in these annuities range from 0.20% to .50%, which represents a cost savings relative to traditional products that charge an average 1.32% in M&E fees (source: Morningstar 12/18).

No-load insurance and annuities do not pay the traditionally high commissions for the sale of these products. Other fees and expenses including subaccount fees, M&E charges, administrative fees, optional rider fees, surrender charges, and other insurance-related fees may apply.

We recommend that you consult with a tax professional when considering annuities or other investments.

RetireOne is paid a nominal administration and service fee by insurers to support the platform through which these products are offered to advisors and their clients.

¹Assumes a fee difference of 90 bps—45 bps M&E for no-load VA vs. 135 bps for average traditional VA (according to Morningstar 12/18).

²First-year fee savings based on $200,000 traditional variable annuity account charging 135 bps M&E vs. IOVA charging 45 bps with a 6% return assumption.

Ameritas Advisor No-Load VA (form 6150) and Ameritas Advisor VUL® (form 4051) are 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 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, which are available on this website. Please read the prospectuses carefully before investing or sending money. Products are not available in NY.

RetireOne is not an affiliate of Ameritas.

Insurance policies are sold by Aria Retirement Solutions, Inc. doing business in California as Aria Insurance Solutions, Inc. (San Francisco, CA), a licensed insurance agency (CA License #0H44773). Aria distributes certain insurance and variable annuity contracts that are issued by insurance companies not affiliated with Aria. Insurance policies may not be available in all states. Information on this site may not yet be approved by the Departments of Insurance for use in all states.

Securities offered through EF Legacy Securities, LLC and Portsmouth Financial Services. Both are members of FINRA/SIPC, and registered in all 50 states.

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR CONSUMER USE.