Direction Variable Annuity Flexible Premium Deferred Variable Annuity Ameritas
 
Investment Option Performance
Non-standardized Average Annual Total Return as of Friday, May 17, 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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 AllianceBernstein L.P. (AllianceBernstein)
Investment Option Unit
Price
  Gross Fund
Operating
Expense***
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
 

VPS Growth and Income B   39.618398   0.86%   -1.84%   -0.19%   10.44%   2.59%   10.2%   7.63%   12.14%* 06/01/1999

 American Century Investment Management, Inc. (American Century)
Investment Option Unit
Price
  Gross Fund
Operating
Expense***
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
 

VP Income & Growth II   11.729104   0.95%   -2.11%   1.11%   11.5%   0.13%   10.64%   6.66%   11.82%* 05/01/2002

 Calvert Research and Management (Calvert)
Investment Option Unit
Price
  Gross Fund
Operating
Expense***
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
 

VP SRI Balanced Class F   2.571726   0.97%   0.83%   5%   12.39%   8.25%   7.67%   5.32%   5.36% 10/18/2013
VP Volatility Managed Growth Class F   18.900185   0.97%   -1.58%   1.82%   7.74%   0.29%   6.01%   3.47%   3.93% 04/30/2013
VP Volatility Managed Moderate Class F   18.144951   0.97%   -0.7%   1.88%   6.93%   1.69%   4.89%   3.42%   3.48% 04/30/2013
VP Volatility Managed Moderate Growth Class F   18.660737   0.98%   -1.15%   1.89%   7.57%   0.98%   5.74%   3.68%   3.9% 04/30/2013

 Capital Research and Management Company (American Funds)
Investment Option Unit
Price
  Gross Fund
Operating
Expense***
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
 

IS Asset Allocation 2   26.348722   0.54%   -1.03%   1.86%   9.36%   2.5%   8.26%   6.11%   9.8%* 04/30/1997
IS Blue Chip Income & Growth 2   16.890915   0.66%   -2.69%   1.71%   9.55%   -1.16%   8.58%   7.3%   11.93%* 07/05/2001
IS Global Growth 2   35.691085   0.8%   -1.89%   5.06%   16.62%   1.03%   12.79%   8.49%   11.59%* 04/30/1997
IS Growth 2   104.392869   0.59%   -0.95%   1.43%   13.33%   4.12%   16.31%   12.14%   14.16%* 04/30/1997
IS Growth-Income 2   65.881093   0.53%   -1.31%   2.44%   12.36%   3.94%   13.31%   9.61%   12.83%* 04/30/1997
IS International 2   22.851696   0.78%   -4.09%   1%   9.87%   -8.29%   9.23%   2.7%   6.82%* 04/30/1997
IS Managed Risk Asset Allocation Class P2   14.280176   0.94%   -0.99%   1.76%   7.2%   1.47%   6.69%   4.15%   5.93% 09/28/2012
IS New World 2   23.762232   1.01%   -4.55%   2.34%   11.65%   -5.19%   8.8%   2.08%   6.66%* 06/17/1999

 Columbia Management Investment Advisers, LLC (Columbia)
Investment Option Unit
Price
  Gross Fund
Operating
Expense***
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
 

VP Disciplined Core Fund Class 2   50.263907   0.91%   -1.45%   1.72%   12.75%   4.05%   12.55%   9.47%   11.31% 05/03/2010
VP Emerging Markets 2   17.141838   1.46%   -8.59%   -0.22%   8.17%   -13.85%   8.55%   1.61%   1.46% 05/03/2010
VP High Yield Bond 2   7.666104   1.01%   -0.53%   2.35%   8.21%   5.1%   4.53%   2.97%   5.37% 05/03/2010
VP Overseas Core Fund 2   14.507693   1.14%   -3.85%   0.17%   11.18%   -9.01%   4.8%   0.82%   3.69% 05/03/2010
VP Select Mid Cap Value 2   21.992243   1.14%   -1.77%   1.26%   17.15%   1%   7.64%   5.15%   8.51% 05/03/2010
VP Select Small Cap Value 2   22.853326   1.3%   -2.8%   -2.12%   13.07%   -5.02%   7.28%   4.62%   8.4% 05/03/2010
VP Strategic Income 2   5.166207   1.02%   0.15%   2.18%   5.13%   4.82%   3.89%   2.28%   5.14%* 06/01/2000

 DWS Investment Management Americas Inc. (DWS)
Investment Option Unit
Price
  Gross Fund
Operating
Expense***
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
 

Alternative Asset Allocation VIP B   13.431175   1.77%   -0.02%   1.6%   7.85%   1.63%   1.08%   -0.54%   2.94% 05/18/2009

 Fidelity Management & Research Company (Fidelity)
Investment Option Unit
Price
  Gross Fund
Operating
Expense***
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
 

VIP Contrafund SC2   45.809965   0.87%   0.19%   3.29%   15.97%   3.62%   11.77%   8.44%   12.6%* 01/12/2000
VIP Government Money Market SC2   0.99262   0.51%   0.08%   0.24%   0.36%   0.73%   -0.15%   -0.48%   -0.72%* 01/12/2000
7-Day Yield 0.98%, effective yield 0.98%                                              
VIP Index 500 SC2   292.830263   0.35%   -1.34%   3.22%   14.38%   5.8%   12.52%   9.56%   13.33%* 01/12/2000
VIP Investment Grade Bond SC2   13.134501   0.65%   0.8%   2.29%   3.77%   5.35%   1.48%   1.53%   3.32%* 01/12/2000
VIP Mid Cap SC2   40.468542   0.87%   -2.75%   -0.56%   13.85%   -7.18%   8.48%   5.67%   11.2%* 01/12/2000
VIP Strategic Income SC2   12.159253   0.92%   0.18%   1.73%   5.42%   2.93%   3.49%   2%   5%* 12/23/2003

 Franklin Advisers, Inc. (Franklin Templeton)
Investment Option Unit
Price
  Gross Fund
Operating
Expense***
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
 

Foreign VIP Cl 2   14.004566   1.1%   -6.33%   -3.96%   3.3%   -12.97%   2.53%   -3.17%   4.39%* 04/30/1997
Global Bond VIP Cl2   16.738699   0.9%   -1.46%   -1%   1.99%   2.33%   2.72%   -0.12%   3.56%* 01/06/1999
Income VIP Cl2   17.93623   0.74%   -1.92%   1.58%   8.68%   2.72%   7.27%   2.57%   8.1%* 01/06/1999
Mutual Global Discovery VIP 2   22.63736   1.2%   -2.41%   0.92%   11.26%   -3.2%   6.02%   2.42%   7.44%* 01/06/1999
Small Cap Value VIP 2   23.660132   0.92%   -4.48%   -2.2%   9.79%   -7.69%   8.63%   4.49%   11.78%* 01/06/1999

 Invesco Advisers Inc. (Invesco)
Investment Option Unit
Price
  Gross Fund
Operating
Expense***
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
 

V.I. American Value II   18.681544   1.18%   -4.71%   -3.5%   12.34%   -8.98%   6%   3.11%   11.42%* 05/05/2003
V.I. Diversified Dividend II   28.673572   0.91%   -0.77%   2.43%   11.43%   4.64%   5.54%   5.96%   11.04%* 06/05/2000
V.I. Global Real Estate II   18.927628   1.26%   1.57%   2.86%   13.94%   8.84%   4.99%   3.7%   9.78%* 04/30/2004

 Ivy Investment Management Company (Ivy)
Investment Option Unit
Price
  Gross Fund
Operating
Expense***
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
 

VIP Asset Strategy II   9.659776   1.03%   -1.4%   2.61%   9.92%   -0.35%   6.59%   0.71%   5.39%* 05/01/1995
VIP Balanced II   10.312228   1.01%   -0.93%   2.22%   10.25%   4.36%   6.54%   4.16%   8.6%* 05/02/1994
VIP Energy II   4.211463   1.19%   -9%   -6.23%   11.13%   -35.7%   -9.34%   -12.02%   -0.12%* 05/01/2006
VIP Global Growth II   10.725374   1.18%   -2.13%   2.01%   12.45%   -2.15%   9.18%   4.65%   8.62%* 05/02/1994
VIP High Income II   4.244149   0.91%   0.08%   2.78%   7.48%   3.24%   6.15%   2.69%   8.27%* 07/13/1987
VIP International Core Equity II   16.68884   1.16%   -4.77%   -1.56%   8.17%   -13.53%   4.52%   0.57%   6.29%* 05/01/1992
VIP Mid Cap Growth II   14.761836   1.15%   -2.38%   1.64%   19.87%   8.78%   16.56%   9.61%   14.69%* 04/28/2005
VIP Science and Technology II   35.23585   1.16%   -1.47%   7.08%   24.32%   9.16%   20.09%   9.8%   14.92%* 04/04/1997
VIP Small Cap Core II   23.255758   1.17%   1.17%   2.31%   16.58%   -1.63%   12.13%   8.29%   12.18%* 10/01/1997

 Janus Capital Management LLC (Janus)
Investment Option Unit
Price
  Gross Fund
Operating
Expense***
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
 

Flexible Bond Service   13.234042   0.86%   0.87%   2%   3.21%   4.11%   0.64%   0.77%   3.28%* 12/31/1999

 Massachusetts Financial Services Company (MFS)
Investment Option Unit
Price
  Gross Fund
Operating
Expense***
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
 

Blended Research Core Equity SC   63.450235   0.7%   -1.41%   1.02%   12.9%   1.52%   9.89%   7.59%   12.53%* 08/24/2001
Blended Research Small Cap Equity SC   17.775571   0.79%   -2.09%   -2.1%   16.23%   2.6%   13.93%   8.77%   13.61%* 05/01/2006
Conservative Allocation SC   13.175395   0.95%   0.44%   2.69%   8.07%   4.35%   5.04%   3.46%   5.78%* 10/01/2008
Corporate Bond SC   12.344692   0.93%   0.8%   3.02%   5.98%   6.47%   2.14%   2.06%   5.25%* 08/24/2001
Government Securities SC   12.919697   0.85%   0.98%   1.74%   2.29%   4.54%   -0.08%   0.53%   1.29%* 08/24/2001
Growth Allocation SC   15.042838   1.07%   0%   3.67%   13.75%   4.89%   9.53%   6.39%   9.45%* 10/01/2008
Growth Series SC   62.723064   1%   1.11%   7.13%   20.45%   11.88%   17.86%   13.31%   15.47%* 05/01/2000
Moderate Allocation SC   15.742008   0.99%   0.21%   3.23%   11.14%   4.94%   7.38%   5.1%   7.78%* 10/01/2008
New Discovery Series SC   23.492553   1.21%   1.4%   4.83%   23.92%   8.32%   19.44%   10.46%   15.33%* 05/01/2000
Utilities Series SC   35.366366   1.03%   1.03%   5.02%   12.77%   13.65%   8.45%   3.8%   10.53%* 05/01/2000

 Morgan Stanley Investment Management, Inc. (Morgan Stanley)
Investment Option Unit
Price
  Gross Fund
Operating
Expense***
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
 

VIF Core Plus Fixed Income Portfolio, Class II   11.085155   1.01%   0.82%   2.43%   4.33%   5.33%   2.73%   2.38%   3.88%* 05/01/2003
VIF Global Strategist II   11.133307   1.69%   -1.95%   1.38%   7.36%   -0.22%   5.34%   1.69%   3.88% 03/15/2011

 Neuberger Berman Investment Advisers LLC (Neuberger Berman)
Investment Option Unit
Price
  Gross Fund
Operating
Expense***
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
 

AMT Mid Cap Growth S   30.174981   1.19%   0.4%   2.04%   20.03%   4.34%   14%   9.37%   13.58%* 02/18/2003
AMT Mid Cap Intrinsic Value S   22.004227   1.26%   -4.36%   -4.57%   11.72%   -6.83%   6.65%   4.25%   12.03%* 04/28/2005

 Pacific Investment Management Company LLC (PIMCO)
Investment Option Unit
Price
  Gross Fund
Operating
Expense***
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
 

CommodityRealReturn Strategy Adv   7.334426   2.17%   -2.04%   0%   7.42%   -10.73%   -1.8%   -10.63%   -2.39%* 02/28/2006
Emerging Markets Bond Adv   14.244969   1.11%   -0.11%   1.48%   6.36%   5.24%   4.3%   2.4%   5.45%* 03/31/2006
Low Duration Adv   10.371922   0.84%   0.47%   0.76%   1.39%   1.78%   0.28%   -0.08%   1.5%* 03/31/2006
Real Return Adv   12.771604   1.52%   1%   2.18%   3.69%   2.73%   0.79%   0.04%   2.7%* 02/28/2006
Short-Term Adv   10.690372   0.76%   0.16%   0.52%   1.07%   0.92%   1.27%   0.72%   0.56% 09/30/2009

 Putnam Investment Management, LLC (Putnam)
Investment Option Unit
Price
  Gross Fund
Operating
Expense***
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
 

VT Global Asset Allocation IB   20.836307   1.1%   -1.07%   1.24%   9.21%   0.54%   6.83%   4.93%   9.38%* 02/01/1988
VT Global Health Care IB   20.893658   1.02%   3.11%   -3.39%   5.39%   1.42%   5.41%   5.98%   11.19%* 04/30/1998

 T. Rowe Price Associates, Inc. (T. Rowe Price)
Investment Option Unit
Price
  Gross Fund
Operating
Expense***
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
 

Blue Chip Growth-II   35.361404   1.1%   0.4%   3.54%   17.26%   7.13%   19.01%   14.12%   16.34%* 04/30/2002

 The Dreyfus Corporation (Dreyfus)
Investment Option Unit
Price
  Gross Fund
Operating
Expense***
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
 

MidCap Stock Service   22.286148   1.11%   -5.15%   -4.32%   8.77%   -8.59%   5.32%   4.59%   12.52%* 05/01/1998
Small Cap Stock Index Service   23.083486   0.61%   -3.16%   -4.14%   10.57%   -6.74%   11.29%   7.7%   13.69%* 05/01/2002

 Van Eck Associates Corporation (VanEck)
Investment Option Unit
Price
  Gross Fund
Operating
Expense***
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
 

VIP Global Gold Class S   6.519496   2.18%   -2.29%   -6.84%   -0.38%   -12.66%   -9.11%   -3.77%   -5.27% 04/26/2013
VIP Global Hard Assets Class S   17.513413   1.35%   -7.15%   -1.62%   9.6%   -27.64%   -4.82%   -11.74%   -1.41%* 05/01/2006


Ameritas 6-month EDCA current interest rate 1.000%
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.


* 10-year figure
** Returns are cumulative, not average annual
*** Total annual fund operating expense ratio gross of any expense reimbursements or fee waivers. Note, however, that performance reflected in the chart is based on fund operating expense ratios that are net of any expense reimbursement or fee waiver. See the fund's prospectus for information concerning any reimbursements, waivers, or permitted recovery of same. The performance of an investment option with an applicable expense reimbursement or fee waiver would be lower without such waiver or reimbursement, and the performance of an investment option subject to recovery of a previous reimbursement or waiver would be higher without such recovery of reimbursement or waiver.

These returns are for a sample Direction Variable Annuity flexible premium deferred variable annuity policy. These annualized charges were deducted: 0.75% mortality and expense risk charge (maximum 1.00%), 0.25% administrative expense charge (maximum 0.35%), and $40 annual policy fee, if applicable (maximum $50; waived only in those policy years that the accumulation value is at least $50,000 on a policy anniversary). The non-standardized average annual total returns are calculated based on a hypothetical $115,000 (which is the current average policy size for the Direction Variable Annuity policies) investment in a subaccount on the first day of the period. Note that this results in returns that do not reflect an annual policy fee charge, due to the waiver for policies with current accumulation values over $50,000 (please see standardized performance returns for more information on the potential impact of the annual policy fee when no waiver applies). Surrender charges and 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 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 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. 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.

Direction Variable Annuity (form 6200) and Waypoint Income Rider (form LWBR) are issued by Ameritas Life Insurance Corp. and are 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 800-745-1112. 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, 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