OVERTURE ANNUITY III-PLUS Flexible Premium Variable Annuity Ameritas
Investment Option Performance
Non-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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Performance by Investment Advisor

Performance by Morningstar Category

Month End Fund Performance

Standardized Returns

Asset Allocation Models

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Average Annual Model Performance Summary

  Year to
  10 Year
(or life of model)***
Aggressive   1.92%   0.12%   15.52%   0.35%   7.76%   5%     6.43%*  
Capital Growth   1.57%   0.38%   14.21%   1.62%   7.05%   4.65%     6.34%*  
Balanced   1.12%   0.5%   12.59%   2.57%   6.12%   4.21%     5.89%*  
Moderate   0.68%   0.87%   10.7%   4.09%   4.74%   3.45%     4.98%*  
Conservative   0.34%   1.32%   9.39%   5.69%   3.4%   2.65%     3.94%*  

* 10-year figure
** Returns are cumulative, not average annual
*** Model inception date 10/31/04

To view the performance of each investment option within a model, click on the model name. Not all investment options available on our products are part of the asset allocation program models; therefore, they are not included in this listing. View Performance By Fund Manager for all investment options. All models may not be available with all products and riders. All models may not be right for all investors.

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.

Model performance shown is a hypothetical investment allocated as described among several of the many investment options available in this variable annuity. The allocations and performance of the hypothetical investments are for illustration only and do not represent the past or future performance of any investor’s portfolio. They do not constitute investment advice. You should consider your goals, risk tolerance and time horizon when selecting investments or making asset allocation decisions. Asset allocation neither assures a profit nor protects against a loss. Model performance may vary slightly from actual policy performance because the above performance assumes the models are rebalanced daily and actual policies, if rebalanced at all, are rebalanced quarterly. You choose whether to participate in the systematic rebalancing program or not. The returns are before-tax average annual total returns which assume reinvestment of dividends and capital gains. They do not assume surrender charges, which may be as high as 6%. If included the returns would have been lower.

Non-standardized 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 redeemable value ("redeemable value") of that investment at the end of the period. The redeemable value is then divided by the initial investment and expressed as a percentage. Non-standardized performance returns are then annualized and reflect charges levied upon policy separate account assets only. Thus, like standardized performance returns, the nonstandardized returns reflect fund company expenses, the current policy mortality and expense risk charge of 1.25% (max. 1.25%), and the current percentage administrative expense charge of 0.15% (max. 0.15%). Unlike standardized total returns, the non-standardized returns do not reflect any withdrawal charges, any policy fee or other charges not levied solely upon the separate account. For these reasons, non-standardized total returns for a subaccount are usually higher than standardized total returns for a subaccount. See the prospectus for detailed information about policy charges, including maximum charges and fund expenses.

Overture Annuity III-Plus variable annuity (Form 4786) is issued by Ameritas Life Insurance Corp. and underwritten by affiliate Ameritas Investment Corp. Variable products include risk of loss, including principal. Before investing, carefully consider the investment objectives, risks, charges, expenses and other important information about the policy issuer and underlying investment options. This material must be accompanied by current product and investment options prospectuses. Prospectuses are available on this website or by calling 800-745-1112. Please read them carefully before you invest or send money.

The Asset Allocation Program (the "Program"), provided for no additional charge, consists of models that were developed by an unaffiliated third party investment advisor that provided research and business support services relating to the models and selected the specific funds to populate each model from those available in the Policy. Ameritas Investment Corp. ("AIC"), an affiliate of ours, served as discretionary investment advisor for Program participants solely in connection with the development and periodic updates of the model portfolios. In its role as investment advisor, AIC relied upon the recommendations of the third party investment advisor. AIC's role as investment advisor for development of and periodic updates to the models terminated on August 1, 2016. As of August 1, 2016, the models in the Program no longer undergo periodic updates, and the models remain invested in accordance with the most recent model allocations (i.e. the models became "static").

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.

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

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/Emerging Markets 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. Risks that may be associated with investments in emerging markets include illiquidity and volatility.

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.

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.

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 Calvert Group, Ltd. and the Nasdaq–100® Index Portfolio. The Nasdaq–100® Index is composed and calculated by Nasdaq without regard to Calvert Investment Management, Inc. 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 Investment Management, Inc. 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 or 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.

The Fixed Account is backed by the claims-paying ability of the insurance company issuing the policy.

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