Ameritas Advisor No-Load VA Ameritas
 
Ameritas Advisor No-Load VA
Standardized Average Annual Total Return as of Monday, September 30, 2019

Performance reports available via this website are authorized for use with current and prospective investors only when accompanied or preceded by current product and fund prospectuses containing detailed information about the policy, investment options, limitations and risks. You may access all prospectuses via this website or by contacting us; our address and telephone number are listed elsewhere in this website. Please read the prospectuses carefully before you invest or send any money. More information about the risks of certain investments as well as important disclosures relating to performance reporting appears at the end of this report.

 
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Standardized Returns

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 American Century Investment Management, Inc. (American Century)
Portfolio   1
Year
  5
Years
  10 Years
or Since
Inception
  Subaccount
Inception
Date

VP Inflation Protection Fund, Class I   N/A   N/A   9.08%
  05/01/2019
VP International I   -2.81%   3.26%   5.54%*
  05/01/2008
VP Mid Cap Value I   2.44%   8.27%   11.81%*
  05/01/2008

 Calvert Research and Management (Calvert)
Portfolio   1
Year
  5
Years
  10 Years
or Since
Inception
  Subaccount
Inception
Date

VP EAFE International Index I   -1.9%   2.28%   3.93%
  05/03/2010
VP Russell 2000 Small Cap Index I   -9.57%   7.24%   6.26%
  05/01/2014
VP S&P 500 Index   3.47%   9.96%   12.33%*
  11/01/2008
VP SRI Balanced I   8.51%   6.72%   8.51%*
  05/01/2000
VP Volatility Managed Growth Class F   -0.05%   4.23%   4.84%
  05/01/2013
VP Volatility Managed Moderate Class F   3.53%   4.56%   4.52%
  05/01/2013
VP Volatility Managed Moderate Growth Class F   1.82%   4.63%   4.88%
  05/01/2013

 Capital Research and Management Company (American Funds)
Portfolio   1
Year
  5
Years
  10 Years
or Since
Inception
  Subaccount
Inception
Date

IS Blue Chip Income and Growth Fund, Class 1   N/A   N/A   -3.03%
  05/01/2019
IS Growth Fund, Class 1   N/A   N/A   -1.15%
  05/01/2019
IS Growth-Income Fund, Class 1   N/A   N/A   1.98%
  05/01/2019
IS International Fund, Class 1   N/A   N/A   -4.23%
  05/01/2019

 DWS Investment Management Americas Inc. (DWS)
Portfolio   1
Year
  5
Years
  10 Years
or Since
Inception
  Subaccount
Inception
Date

Capital Growth VIP A   5.13%   12.83%   12.51%
  05/02/2011
International Growth VIP A   0.92%   4.63%   6.2%*
  05/01/2008
Small Mid Cap Value VIP A   -7.94%   4.22%   8.53%*
  05/01/2008

 Dimensional Fund Advisors LP (DFA)
Portfolio   1
Year
  5
Years
  10 Years
or Since
Inception
  Subaccount
Inception
Date

VA Equity Allocation Portfolio   N/A   N/A   -0.45%
  05/01/2019
VA Global Bond   4.72%   1.94%   2.14%
  12/10/2010
VA Global Moderate Allocation   0.32%   N/A   6.47%
  05/02/2016
VA International Small   -8.09%   4.03%   5.37%
  12/10/2010
VA International Value   -8.48%   0.96%   2.33%
  12/10/2010
VA Short-Term Fixed   2.3%   0.68%   0.4%
  12/10/2010
VA U.S. Large Value   -2.34%   6.73%   10.8%
  12/10/2010
VA U.S. Targeted Value   -10.96%   5.03%   8.79%
  12/10/2010

 Fidelity Management & Research Company (Fidelity)
Portfolio   1
Year
  5
Years
  10 Years
or Since
Inception
  Subaccount
Inception
Date

VIP Contrafund IC   -0.24%   8.52%   11.3%*
  06/04/2005
VIP Equity-Income IC   4.92%   6.77%   10.13%*
  06/04/2005
VIP Government Money Market IC   1.68%   N/A   0.74%
  05/02/2016
7-Day Yield 1.28%, effective yield 1.29%                  
VIP Growth IC   1.33%   11.73%   14.46%*
  06/04/2005
VIP High Income IC   6.09%   4.33%   6.47%*
  06/04/2005
VIP Investment Grade Bond IC   9.48%   3.16%   3.78%*
  05/01/2000
VIP Mid Cap IC   -8.12%   6.01%   9.63%*
  06/04/2005
VIP Overseas IC   -0.47%   4.05%   5.5%*
  06/04/2005
VIP Strategic Income IC   5.77%   3.51%   4.63%*
  05/01/2008

 Franklin Advisers, Inc. (Franklin Templeton)
Portfolio   1
Year
  5
Years
  10 Years
or Since
Inception
  Subaccount
Inception
Date

Global Bond VIP Cl2   1.72%   -0.16%   3.18%*
  05/01/2008

 Guggenheim Investments (Rydex)
Portfolio   1
Year
  5
Years
  10 Years
or Since
Inception
  Subaccount
Inception
Date

Government Long Bond 1.2x   30.3%   6.1%   6.44%*
  05/01/1999
Inverse Government Long Bond   -21.12%   -8.05%   -9.37%*
  06/04/2005
Inverse NASDAQ-100   -4.97%   -15.39%   -18.1%*
  06/04/2005
Inverse S&P 500   -4.3%   -10.97%   -14.34%*
  05/01/1999
Long Short Equity   -8.16%   1.55%   3.19%*
  06/04/2005
NASDAQ-100   0.17%   12.94%   15.29%*
  05/01/1999
Nova   1.19%   12.77%   16.56%*
  05/01/1999
Precious Metals   37.24%   1.39%   -5.29%*
  05/01/1999
Russell 2000 1.5x   -17.41%   8.61%   12.71%*
  06/04/2005

 Invesco Advisers Inc. (Invesco)
Portfolio   1
Year
  5
Years
  10 Years
or Since
Inception
  Subaccount
Inception
Date

V.I. American Franchise Fund I   -0.75%   10.14%   11.95%
  04/27/2012
V.I. International Growth I   5.91%   3.44%   6.02%*
  05/01/2008

 Massachusetts Financial Services Company (MFS)
Portfolio   1
Year
  5
Years
  10 Years
or Since
Inception
  Subaccount
Inception
Date

Mid Cap Growth Series, IC   N/A   N/A   11.21%
  05/01/2019
Research International IC   0.36%   N/A   3.14%
  03/27/2015
Utilities IC   19.12%   6.02%   9.92%*
  05/01/2008

 Morgan Stanley Investment Management, Inc. (Morgan Stanley)
Portfolio   1
Year
  5
Years
  10 Years
or Since
Inception
  Subaccount
Inception
Date

VIF Emerging Markets Equity I   0.35%   0.97%   2.68%*
  05/01/2008

 Neuberger Berman Investment Advisers LLC (Neuberger Berman)
Portfolio   1
Year
  5
Years
  10 Years
or Since
Inception
  Subaccount
Inception
Date

AMT Mid Cap Intrinsic Value I   -9.63%   4.18%   9.83%*
  05/01/2008
AMT Sustainable Equity I   N/A   N/A   2.77%
  04/26/2019

 Pacific Investment Management Company LLC (PIMCO)
Portfolio   1
Year
  5
Years
  10 Years
or Since
Inception
  Subaccount
Inception
Date

CommodityRealReturn Strategy Adm   -7.49%   -7.89%   -3.32%*
  11/18/2005
Total Return Adm   9.28%   2.98%   3.52%*
  05/01/2009

 T. Rowe Price Associates, Inc. (T. Rowe Price)
Portfolio   1
Year
  5
Years
  10 Years
or Since
Inception
  Subaccount
Inception
Date

Blue Chip Growth   1.56%   13.47%   15.13%*
  05/01/2008

 The Vanguard Group, Inc. (Vanguard)
Portfolio   1
Year
  5
Years
  10 Years
or Since
Inception
  Subaccount
Inception
Date

Global Bond Index Portfolio   N/A   N/A   13.47%
  05/01/2019
Total International Stock Market Index Portfolio   N/A   N/A   -3.32%
  05/01/2019
VIF Balanced   8.12%   7.64%   9.34%*
  06/04/2005
VIF Conservative Allocation   6.6%   N/A   6.02%
  05/02/2016
VIF Diversified   0.5%   5.69%   9.81%*
  05/01/2001
VIF Equity Income   5.04%   8.89%   12.18%*
  05/01/2001
VIF Equity Index   3.66%   10.19%   12.57%*
  05/01/2001
VIF Growth   5.66%   12.61%   13.59%*
  05/01/2001
VIF High Yield Bond   7.49%   4.89%   6.78%*
  05/01/2001
VIF International   -2.34%   6.58%   7.25%*
  05/01/2001
VIF Mid-Cap Index   3.08%   8.58%   12.4%*
  05/01/2001
VIF Moderate Allocation   4.75%   N/A   7.39%
  05/02/2016
VIF Real Estate Index   19.23%   9.46%   12.3%*
  05/01/2001
VIF ST Investment Grade   5.43%   N/A   2.1%
  05/02/2016
VIF Small Company Growth #   -8.31%   9.9%   13.19%*
  05/01/2001
VIF Total Bond Market Index   9.89%   2.8%   3.15%*
  05/01/2001
VIF Total Stock Market Index   2.29%   9.79%   12.43%*
  06/04/2005

 Third Avenue Management LLC (Third Avenue)
Portfolio   1
Year
  5
Years
  10 Years
or Since
Inception
  Subaccount
Inception
Date

Value   -20.28%   -2.15%   2.62%*
  05/01/2001


Contact the Service Center at 1-800-745-1112 for the current interest rate on the Fixed Account. Ameritas Fixed Account guaranteed interest rate is 1.000%
Initial rates guaranteed from policy date until policy anniversary. Thereafter, all amounts will earn the interest rate declared in the month of the last policy anniversary.


# Closed to new allocations.
* 10-year figure

Standardized average annual total returns are shown for periods beginning on the date each subaccount first invested in a corresponding series fund portfolio, and are current as of the end of the previous calendar quarter.

These returns are for a sample Ameritas Advisor No-Load VA flexible premium deferred variable annuity policy. These annualized charges were deducted: 0.45% mortality and expense risk charge (maximum 0.80%) and $40 annual policy fee (current and maximum; waived if policy value exceeds an amount, which we declare annually, on a policy anniversary). There are no applicable surrender charges. In standardized returns for purposes of deduction of the annual policy fee, which is a set dollar amount deducted from the policy's full accumulation value, we used the current average policy size of $230,000 which resulted in a 0.02% fee per $1,000 invested, when converted to a percentage. Optional rider charges, if deducted would further reduce performance. Standardized performance information reflects past performance from the inclusion date of the underlying subaccount into the applicable separate account (the "subaccount inception date"). All non-standardized performance information reflects hypothetical past performance that may include performance that predates the offering of the fund in the Ameritas subaccount (the "inception date" of the underlying fund). The performance of a subaccount within a policy may differ from the performance of a subaccount within the applicable separate account when the policy has not been in existence for the life of the separate account. See the prospectus for detailed information about policy charges, including maximum charges and fund expenses.

THE PERFORMANCE DATA QUOTED REPRESENTS PAST PERFORMANCE AND IS NOT INDICATIVE OF FUTURE RESULTS. The investment return and principal value of an investment will fluctuate so that shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance data quoted. Some portfolio advisors have agreed to limit their expenses; without these limits, performance would have been lower.

The returns are average before-tax annual total returns which assume reinvestment of dividends and capital gains.

Yields shown are "annualized" yields. This means the income generated during the measured seven days is assumed to be generated each week over a 52-week period, and not reinvested, and is shown as a percentage of the investment.

STANDARDIZED RETURNS reflect the performance of investment options within the variable annuity after the deduction of all recurring product fees and any surrender charges. Optional rider charges are not deducted. The average annual total return for a specific period is calculated by taking a hypothetical $1,000 investment in a subaccount on the first day of the period ("initial investment"), and computing the ending surrender value ("surrender value") of that investment at the end of the period. The surrender value is then divided by the initial investment, then annualized, and expressed as a percentage.

NON-STANDARDIZED RETURNS reflect the performance of the investment options within the variable annuity after the deduction of all recurring product fees. Any surrender and optional rider charges are not deducted.

Although some portfolios may have names or investment objectives that resemble retail mutual funds managed by the same money manager, these portfolios may not have the same underlying holdings or performance as the retail mutual funds. Investment results may be higher or lower.

Ameritas Advisor No Load VA (Form 6150) is issued by Ameritas Life Insurance Corp. and underwritten by its 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, 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 on this website or by calling 800-255-9678. Read the prospectuses carefully before investing.

We encourage you to obtain a personalized illustration which reflects all charges of the policy and the impact of those charges upon performance; contact your registered representative or us. See the prospectus for detailed information about policy charges and fund expenses.

Please Note: The following footnotes may not apply to all products.

Risks of Certain Kinds of Portfolios
Investment options are subject to market risk, which is the possibility that the market values of securities owned by the portfolio will decline and that the value of portfolio shares may therefore be less than what you paid for them. Accordingly, you can lose money investing in any investment option. Please be aware that some portfolios are subject to additional risks, which may include those listed below. More information about the specific risks involved can be found in each such portfolio's prospectus and by clicking on the fund portfolio name, above. The prospectuses for all of the portfolios available through the policy may be downloaded from this website, or contact us to send you a free copy.

Money Market Risk. Money market investment options are not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other governmental agency. Although the portfolio seeks to preserve the value of your investment at $1.00 per unit, it is possible to lose money by investing in this portfolio.

International/global, emerging market, high income, international/global, sector, and small cap portfolios involve additional risk than may exist in portfolios investing in larger, more established or diversified companies in established countries.

Derivatives Risk. Derivatives can be highly volatile and involve risks in addition to the risks of the underlying indicator(s) on which the derivative is based. Gains or losses from derivatives can be substantially greater than the derivatives' original costs. Derivatives can involve leverage.

Emerging Markets Risk. International and global investments in emerging countries are subject to all the risks of international/global investing generally, and have additional, heightened risks due to lack of established legal, political, business and social frameworks to support securities markets.

High Yield Risk. Investment options that may invest up to 100% of net assets in lower rated bonds, commonly known as "junk bonds," entail greater risk than those portfolios that invest in higher rated securities.

International/Global Risk. International and global investment options involve risks associated with changes in currency values, economic, political and social uncertainty and market price swings. International and global portfolios may exhibit greater volatility of returns in the short-term.

Leveraged Risk. Investment options that borrow money to leverage involve more risk than portfolios that do not borrow money because the cost of borrowing money could exceed the returns for securities purchased or the securities purchased may go down in value.

Multisector Bond Risk. These investment options may invest in lower quality debt securities which generally offer higher yields, but also carry more risk. Investments in foreign securities, especially those in emerging markets involve risks in addition to those of U.S. investments, including increased political and economic risks as well as exposure to currency fluctuations.

Nondiversified Risk. Investment options that often invest in a more limited number of issuers involve more risk than portfolios that invest in a larger number of issuers because changes in the financial condition or market value of a single issuer may cause great volatility.

Sector Concentration Risk. Investment options that are at times more heavily invested in certain economic sectors may have more volatile performance than that of more broad-based portfolios.

Small Company Risk. Small company stocks, as a whole, may experience larger price fluctuations than large company stocks or other types of investments. Small companies tend to have shorter operating histories and may have less experienced management.

Volatility Managed Funds Risk. Volatility managed funds seek to stabilize the volatility of a portfolio to a predetermined target level. Unlike other investment options, these funds may not perform as well in a rising market but are designed to provide protection in a declining market. Losses are still possible. The strategies used by volatility managed funds limit the volatility risks associated with offering living benefit riders. See prospectus for complete details.

Additional Information
Franklin Templeton Variable Insurance Products Trust portfolios are generally sold only to insurance company separate accounts as investment options for variable insurance products.

The Calvert VP EAFE International Index portfolio is not sponsored, endorsed, sold or promoted by Morgan Stanley Capital International, Inc. (MSCI) or any affiliate of MSCI and MSCI makes no representation regarding the advisability of investing in the portfolio.

"Nasdaq" and related marks are trademarks or service marks of The Nasdaq Stock Market, Inc. and have been licensed for use for certain purposes by the Nasdaq 100 Index Portfolio. The Nasdaq 100 Index is composed and calculated by Nasdaq without regard to Calvert Research and Management. Nasdaq makes no warranty, express or implied, and bears no liability with respect to the Calvert VP Nasdaq 100 Index Portfolio.

The "Russell 2000 Index" is a trademark/service mark of the Frank Russell Company. Russell is a trademark of the Frank Russell Company. Calvert Research and Management and the Calvert VP Russell 2000 Small Cap Index Portfolio are not promoted, sponsored or endorsed by, nor in any way affiliated with Frank Russell Company. Frank Russell Company is not responsible for and makes no representation of warranty, express or implied, as to its accuracy, or completeness, or otherwise.

"S&P 500" and "S&P MidCap 400 Index" are trademarks of McGraw-Hill, Inc. The Calvert VP S&P MidCap 400 and S&P 500 Index Portfolios are not sponsored, endorsed, sold or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of investing in the portfolios.

Insurance product and rider guarantees, including optional benefits and any Fixed Account crediting rates or annuity payout rates, are backed by the financial strength and claims-paying ability of the issuing insurance company and do not protect the value of the variable investment options. They are not backed by the broker/dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased, any registered investment advisor who recommended this product, or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.

Ameritas Life Insurance Corp. is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.



This is not an offer in any jurisdiction, nor is it specifically directed to residents of any jurisdiction. This policy may only be sold
pursuant to a prospectus and in those states where it is approved.
Not FDIC Insured May Lose Value No Bank Guarantee