|ProFunds Advisors LLC (ProFunds)|
(or life of fund)
|Access VP High Yield||49.493079||1.58%||0.06%||1.54%||10%||9.88%||4.76%||3.79%||6.37%*||05/02/2005|
|VP Classic Dow 30||56.278431||1.51%||4.6%||7.95%||19.23%||9.29%||12.4%||8.03%||8.6%*||05/01/2006|
|VP Europe 30||33.497768||1.66%||2.26%||6.71%||13.07%||5.65%||6.67%||0.59%||2%*||10/18/1999|
|VP Government Money Market||0.978344||1.79%||-0.05%||-0.11%||-0.05%||-0.05%||-0.51%||-0.66%||-0.77%*||10/29/2001|
|7-Day Yield -0.67%, effective yield -0.67%|
|VP Mid-Cap Value||74.555359||1.73%||3.6%||9.04%||19.1%||5.44%||5.19%||4.99%||9.36%*||05/01/2002|
|VP Oil & Gas||51.008863||1.63%||3.54%||3.99%||2.14%||-13.32%||-6.23%||-7.73%||-0.83%*||01/22/2001|
|VP Precious Metals||24.53855||1.61%||1.71%||-0.89%||31.76%||43.54%||5.75%||1.2%||-7.55%*||05/01/2002|
|VP Real Estate||98.121152||1.71%||-1.75%||1.99%||24.76%||16.4%||9.63%||5.93%||9.56%*||01/22/2001|
|VP Rising Rates Opportunity||3.698785||1.65%||0.91%||6.63%||-19.42%||-25.41%||-10.14%||-9.38%||-12.35%*||05/01/2002|
|VP Short Dow 30||8.918713||1.83%||-4.65%||-8.14%||-18.31%||-11.9%||-15.27%||-13.13%||-15.93%*||05/01/2006|
|VP Short NASDAQ-100||1.770148||1.62%||-5.64%||-8.77%||-25.11%||-19.7%||-19.31%||-16.4%||-18.9%*||05/01/2002|
|VP Short Small-Cap||2.205483||1.64%||-3.77%||-7.01%||-17.48%||-7.51%||-9.59%||-10.82%||-16.03%*||09/03/2002|
|VP Small-Cap Value||68.572856||1.7%||3.85%||9.43%||17.37%||2.05%||4.23%||5.27%||9.54%*||05/01/2002|
|VP US Government Plus||63.457846||1.35%||-1.43%||-7.78%||19.79%||29.03%||6.54%||3.94%||5.89%*||05/01/2002|
These returns are for a sample Ameritas Advisor Select No Load Variable Annuity flexible premium deferred variable annuity policy. These annualized charges were deducted: 0.90% mortality and expense risk charge (current and maximum). The non-standardized average annual total returns are calculated based on a hypothetical $120,000 (which is the current average policy size for the Ameritas Advisor Select No Load Variable Annuity policies) investment in a subaccount on the first day of the period. Optional rider charges, if deducted, would further reduce performance. For these reasons, non-standardized total returns for a subaccount are usually higher than standardized total returns for a subaccount. 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 1 Year, 3 Year, 5 Year, and 10 Year (or life of fund) returns are average before-tax annual total returns which assume reinvestment of dividends and capital gains. Returns of less than one year are not annualized.
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.
Variable products are 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
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
Money Market Risk. You could lose money by investing in the Fund. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund's sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time.
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 greater 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.
Insurance product and rider guarantees, including optional benefits and 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.