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An Index Universal Life (IUL) insurance policy offers a death benefit that can provide resources for your loved ones when you die. It also can build cash value over time to help you be ready for life\u2019s challenges and opportunities. Using a method that captures the upside potential of external market indexes while providing downside protection, your IUL policy can accumulate cash value while keeping risk in check.<\/p>\n
Ameritas Life Insurance Corp. is the only life insurance carrier to offer the BNP Paribas Momentum Multi-Asset 5 Index (BNPP Momentum 5 Index) on Index Universal Life insurance. It\u2019s important to note that you\u2019re not actually participating in the market or investing in any stock or bond when you choose a BNPP Momentum 5 Index strategy as part of your IUL.[\/vc_column_text][vc_column_text]<\/p>\n
The BNPP Momentum 5 Index is designed to produce steady, positive performance with consistent returns over time. This gives your policy\u2019s accumulation value the potential to build growth momentum. The BNPP Momentum 5 Index achieves its goals by combining three principles:<\/p>\n
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The BNPP Momentum 5 Index is rebalanced daily according to 2 step methodology.<\/p>\n
1. Dynamic allocation aims to choose up to 8 out of the universe of 14 components, looking at the recent risk adjusted positive performance.<\/p>\n
2. Aiming at more stable and diverse composition, the index grants an even risk distribution by increasing exposure to less volatile components and reducing exposure to more volatile components. This offers a more stable and diverse composition of the strategy.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_single_image image=”608″ img_size=”full” alignment=”center”][\/vc_column][\/vc_row][vc_row][vc_column width=”2\/3″ css=”.vc_custom_1587568268785{border-radius: 15px !important;}”][vc_column_text]<\/p>\n
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When choosing indexes within life insurance policies, consider the index participation rate and the cap rate. These items will determine how much of the index growth you\u2019ll receive and the possible limits to the upside of the index. Higher participation rates help provide better accumulation and uncapped strategies provide more accumulation potential. Cap rates and participation rates are declared at the beginning of an index period are guaranteed for that index period (one or two-years). Future cap and participation rates are subject to change.<\/p>\n
The crediting strategy within an Ameritas IUL insurance policy is uncapped and has competitive participation rates. There is no limit (no cap) to the interest credited to the index account, and a guaranteed index floor rate of 0% which protects your policy from negative returns.[\/vc_column_text][vc_column_text]<\/p>\n
Participation rate<\/strong> is the percentage of the index rate that is credited to the policy accumulation value. The index value increases over the one-year period and the interest credited to the money in that index option account is 170% of the index gain.[\/vc_column_text][vc_row_inner][vc_column_inner width=”1\/2″][vc_column_text]Participation rate<\/strong> = 170% [\/vc_column_text][vc_single_image image=”609″ img_size=”full” alignment=”center”][vc_row_inner][vc_column_inner][vc_column_text]These results show how the index options would have performed had FLX Index UL been available during the time periods shown using assumed caps and participation rates. Caps and par rates are subject to change and could produce different hypothetical results.[\/vc_column_text][vc_column_text]<\/p>\n BNPP Momentum 5 Index One-Year Point-to-Point compared with S&P 500 One-Year Point-to-Point[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_single_image image=”610″ img_size=”full” alignment=”center”][vc_row_inner][vc_column_inner][vc_column_text]This chart shows the actual annual percentage change of the S&P 500 Index and the hypothetical returns of the BNPP Momentum 5 Index had it been in existence over the last 15 years.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text]<\/p>\n Source: Bloomberg, BNP Paribas from January 1, 2004 to December 31st 2019. Past performance is not an indicator of future performance. The BNPP Momentum 5 Index is based on Hypothetical Past Performance Data prior to January 27th 2017. Because the BNPP Momentum 5 Index did not exist prior to this date, all retrospective levels provided in the graph and table above are simulated and must be considered illustrative only.<\/p>\n [\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text]<\/p>\n Markets are unpredictable, so you cannot predict what your future holds. Whether you\u2019re planning for your retirement or planning for the legacy you leave your loved ones, the choices offered through Ameritas Index Universal Life policies can help you manage volatility as you work towards achieving and protecting your goals.<\/p>\n [\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column][vc_single_image image=”611″ img_size=”full” alignment=”center”][vc_row_inner][vc_column_inner][vc_column_text]This brochure must accompany either the Ameritas FLX Living Benefits Index Universal Life insurance product brochure (LI 2210) or the Ameritas Growth Index Universal Life insurance product brochure (LI 2221).<\/p>\n In approved states, Ameritas FLX Living Benefits Index Universal Life insurance (form 3020) and Ameritas Growth Index Universal Life insurance (form 3022) are issued by Ameritas Life Insurance Corp. Policy, index strategies, and riders may vary and may not be available in all states. Optional riders may have limitations, restrictions and additional charges. Refer to product brochures for details. Guarantees are based on the claims-paying ability of Ameritas Life Insurance Corp. This information is provided by Ameritas\u00ae, which is a marketing name for subsidiaries of Ameritas Mutual Holding Company, including, but not limited to: Ameritas Life Insurance Corp., 5900 O Street, Lincoln, Nebraska 68510 and Ameritas Life Insurance Corp. of New York, (licensed in New York) 1350 Broadway, Suite 2201, New York, New York 10018. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas\u00ae, visit ameritas.com.<\/a><\/p>\n Ameritas\u00ae and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life\u00ae is a registered service mark of affiliate Ameritas Holding Company. [vc_row][vc_column][vc_row_inner][vc_column_inner][vc_column_text] Powerful accumulation potential [\/vc_column_text][vc_column_text] Index Universal Life insurance An Index Universal Life (IUL) insurance policy offers a death benefit that can provide resources for your loved ones when you die. It also can build cash value over time to help you be ready for life\u2019s challenges and opportunities. Using a method that captures the…<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"_links":{"self":[{"href":"https:\/\/www.nminadvisor.com\/wp-json\/wp\/v2\/pages\/607"}],"collection":[{"href":"https:\/\/www.nminadvisor.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.nminadvisor.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.nminadvisor.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nminadvisor.com\/wp-json\/wp\/v2\/comments?post=607"}],"version-history":[{"count":3,"href":"https:\/\/www.nminadvisor.com\/wp-json\/wp\/v2\/pages\/607\/revisions"}],"predecessor-version":[{"id":614,"href":"https:\/\/www.nminadvisor.com\/wp-json\/wp\/v2\/pages\/607\/revisions\/614"}],"wp:attachment":[{"href":"https:\/\/www.nminadvisor.com\/wp-json\/wp\/v2\/media?parent=607"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nCap rate <\/strong>is the maximum percentage of reference index performance to be used to calculate the interest crediting rate.
\nFloor rate:<\/strong> The minimum interest rate applied no matter how the underlying index performed is called the floor rate. The interest rate cannot go below the floor rate.[\/vc_column_text][vc_column_text]<\/p>\nExamples of how index crediting works:<\/h3>\n
\nMultiplied by
\nIndex change rate<\/strong> = 12%
\nHow much is credited to the account value?
\n170% x 12% = 20.4%[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/2″][vc_column_text]Participation rate<\/strong> = 170%
\nMultiplied by
\nIndex change rate<\/strong> = 12%
\nHow much is credited to the account value?
\n170% x 12% = 20.4%[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_column_text]The account value in the uncapped account for this one-year index period is credited with the interest equivalent to a 20.4% or 5.1% credited rate based on the above examples.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\nHistorical performance<\/h3>\n
Hypothetical performance chart:<\/h3>\n
Protect your future<\/h3>\n
\nvisit https:\/\/momentum5index.bnpparibas.com.<\/a>[\/vc_column_text][vc_column_text]These products are not sponsored, endorsed, sold or promoted by BNP Paribas or any of its affiliates (collectively, \u201cBNP Paribas\u201d). Neither BNP Paribas nor any other party (including without limitation any calculation agents or data providers) makes any representation or warranty, express or implied, regarding the advisability of purchasing this product. BNP Paribas Momentum Multi-Asset 5 Index (the \u201cIndex\u201d) is the exclusive property of BNP Paribas. BNP Paribas and the Index are service marks of BNP Paribas and will be licensed for use for certain purposes by Ameritas Life Insurance Corp. Neither BNP Paribas nor any other party has or will have any obligation or liability to owners of this product in connection with the administration or marketing of this product, and neither BNP Paribas nor any other party guarantees the accuracy and\/or the completeness of the Index or any data included therein.<\/p>\n
\n\u00a9 2020 Ameritas Mutual Holding Company[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"