Listen to Carl Buzzeo and Bryan Thompson share how they incorporate annuities into their businesses and how they overcome some of the objections they face.

Thomson Hamel Agency and WPA Pittsburge Financial Center are affiliates of Ameritas or its subsidiaries.

Wayne Cotton Systems is not affiliated or endorsed by Ameritas Life Insurance Corp.

Guarantees are based upon the claims paying ability of the issuing company and do not apply to the investment performance or account options of the underlying variable portfolios. Withdrawals of policy earnings are taxable, and if taken prior to age 59 1/2, a 10% penalty tax may also apply.

The premium accumulation value is defined as the sum of premiums paid plus interest at the premium accumulation rate compounded annually for the premium accumulation period. The premium accumulation value cannot be withdrawn and isn't payable as a death benefit.

An annuity can be an integral part of your clients’ long-term retirement planning strategy, providing direction to help them overcome unnecessary risks and important optional benefits to help protect their financial future. Annuities offer guaranteed death benefits and payment options to help meet retirement income needs. Variable annuities also offer professionally managed investment options. Index annuities are not investments in the stock market. Your client should always read the prospectus and sales material before investing to make sure they understand the risks and charges involved. Variable annuities are subject to risk, including loss of principal.

Compass Index Annuity (form 2704) with the Guaranteed Lifetime Withdrawal Benefit Rider (form GLWBIA) is issued by Ameritas Life Insurance Corp. in approved states.

Direction Variable Annuity (form 6200) with the Waypoint Income Rider (form LWBR) and the Return of Premium Rider (form ROP) is issued by Ameritas Life Insurance Corp. and underwritten by affiliate Ameritas Investment Corp. Variable products are suitable for long term investing and are subject to investment risk, including possible loss of principal. Variable products 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, 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. Prospectuses are available online at ameritas.com or by calling 800-745-1112. Read the prospectuses carefully before investing.

Refer to the agent guide (AN 1326) for complete details about the Compass Index Annuity.

Refer to the representative guide (AN 1454) for complete details about the Direction Variable Annuity.

You can learn more about Compass Index Annuity, Direction Variable Annuity, order materials and find links to more information on Producer Workbench.

This information is provided by Ameritas®, 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; Ameritas Life Insurance Corp. of New York, (licensed in New York) 1350 Broadway, Suite 2201, New York, New York 10018; and Ameritas Investment Corp, member FINRA/SIPC. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com.

Ameritas® and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life® is a registered service mark of affiliate Ameritas Holding Company.

© 2017 Ameritas Mutual Holding Company

For producer use only. Not for use with clients.