The What and Why of Our Relationship with Risk Insurance and Reinsurance Solutions (RISK) DI For Producer use only. Not for use with clients.

disclosures In approved states, Disability Income insurance (forms 4501NC, 4502GR and 4503BOE) is issued by Ameritas Life Insurance Corp. located at 5900 O Street, Lincoln, NE In New York, Disability Income insurance (forms 5501-NC, 5502-GR and 5503-BOE) is issued by Ameritas Life Insurance Corp. of New York located at 1350 Broadway, Suite 2201, New York, NY Policy and riders may vary and may not be available in all states. 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., Ameritas Life Insurance Corp. of New York and Ameritas Investment Corp., member FINRA/SIPC. Ameritas Life Insurance Corp. is not licensed in New York. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas ®, visit ameritas.com. Risk Insurance and Reinsurance Solutions offers Disability Income Insurance issued by Fidelity Security Life Insurance Company. In New York, this Disability Income Insurance is issued by Presidential Life Insurance Company. Risk Insurance and Reinsurance Solutions, Fidelity Security Life Insurance Company and Presidential Life Insurance Company are not affiliates of Ameritas. Ameritas ® and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life ® is a registered service mark of Ameritas Holding Company. © 2013 Ameritas Mutual Holding Company DI For Producer use only. Not for use with clients.

who is RISK? Risk Insurance and Reinsurance Solutions is a leader in underwriting adverse and impaired risk disability plans for Fidelity Security Life and Presidential Life. For Producer use only. Not for use with clients.DI

For Producer use only. Not for use with clients. who is RISK? Risk Insurance and Reinsurance Solutions is a leader in underwriting adverse and impaired risk disability plans for Fidelity Security Life (FSL) and Presidential Life. Acts as a Managing General Underwriter (MGU) for Fidelity Security Life and Presidential Life. RISK provides the following: Underwriting Customer billing Commission payment Distribution support Product development and administration DI

who is FSL? For Producer use only. Not for use with clients. Fidelity Security Life Insurance Company was founded in 1969 and is based in Kansas City, Missouri. A- “Excellent” Rating from A.M. Best DI

who is FSL? For Producer use only. Not for use with clients. Fidelity Security Life Insurance Company was founded in 1969 and is based in Kansas City, Missouri. A- “Excellent” Rating from A.M. Best Focused on niche markets: IMPAIRED DISABILITY / SUBSTANDARD DISABILITY CASES Annuities and mutual funds for groups and individuals AD&D, three-way accident, and travel accident insurance products. Specialty benefit coverage products, such as retail prescription drug, vision care (indemnity), dental (indemnity), hearing, and Lasik. DI

who is Presidential Life Insurance? For Producer use only. Not for use with clients. (for New York State) FOUNDED: 1965 ASSETS: $3.65 Billion (statutory) $3.89 Billion (GAAP) PARENT: Presidential Life is a wholly-owned subsidiary of Presidential Life Corporation, a publicly-owned holding company. A.M. BEST RATING: B++ (Good) as of June 8, 2011 CAPITAL & SURPLUS TO LIABILITIES: 13.35% CAPITAL & SURPLUS: Million (Includes AVR and IMR) INVESTMENT GRADE BONDS: 95.39% STATES: Admitted to all states and the District of Columbia. DI

why did we create this relationship? For Producer use only. Not for use with clients. To ensure you have an outlet for your declined cases To provide you a service that provides true value to your clients and prospects To ensure the process (even for declined cases) is seamless and effortless to you DI

how does it work? For Producer use only. Not for use with clients.DI

how does it work? For Producer use only. Not for use with clients. In case of a decline by Ameritas, the DI underwriter, assuming the RISK/FSL/Presidential Life authorization was signed, will provide RISK the medical underwriting files to allow RISK to make an offer to your customer If an offer is provided, it will be ed to you within two business days, along with the illustration, pre-completed application with available information, contracting materials, etc. will provide a point of contact for any questions or follow up DI

how will it work? For Producer use only. Not for use with clients. Underwriter declines a case Notifies agent Simultaneously Simultaneously assuming has the authorization, sends to RISK with medical files for review RISK sends agent an offer Have your customer sign the authorization upfront with the initial Ameritas application! DI

what does it provide your clients? The opportunity to have an option when they have been declined for coverage For Producer use only. Not for use with clients.DI

what does it provide your clients? The opportunity to have an option when they have been declined for coverage Peace of mind for having a portion of their income protected despite chronic medical conditions/pre-existing medical impairments A quality, Guaranteed Renewable policy given their medical history, with up to $15,000 per month in benefits ($10,000 per month in New York via Presidential Life) For Producer use only. Not for use with clients.DI

what does it provide you? You converted a declined case into commissions! For Producer use only. Not for use with clients.DI

plan highlights (Platinum eZ-Select) Guaranteed Renewable To Age 65 Issue ages of Male/Female/Tobacco/Non Tobacco – No occupational classes Maximum Benefit $15,000 Elimination Periods of 30, 60, 90, 120, 180 and 365 days Benefit Durations of 1, 2, 3 and 5 years Own Occupation for the entire benefit duration Partial Benefit of 50% of monthly benefit, payable for up to 6 months Disabilities Due to Sickness (no grading for disabilities due to injuries) 1 st Policy Year 40% 2 nd Policy Year 75% Thereafter 100% For Producer use only. Not for use with clients.DI

plan highlights (New York – Income Guard) For Producer use only. Not for use with clients. Guaranteed Renewable To Age 65 Issue ages of Male/Female/Tobacco/Non Tobacco – No occupational classes Maximum Benefit $10,000 Benefit Durations of 2 or 5 years Elimination Periods of 60, 90, (180 for 5-year plans) Own Occupation for 2 years Partial Benefit of 50% of monthly benefit, payable for up to 6 months Disabilities Due to Sickness 1 st Policy Year 35% 2 nd Policy Year 75% Thereafter 100% DI

examples of considered medical conditions For Producer use only. Not for use with clients. Heart/Cardiovascular, Fibrillations Aneurysms Alcohol/Drug Back and Spine Height/Weight Cancer Cerebral Vascular Coronary Artery Crohn’s Rheumatoid Arthritis Diabetes Kidney Epilepsy Eye Disorders Fibromyalgia Hepatitis Liver Issues Cancer Lupus Mental/Nervous Disorders Anxiety, Depression, Bi-Polar, Schizophrenia Ulcerative Colitis DI

what will the offer look like? For Producer use only. Not for use with clients. You will get an like this from RISK after a decline DI

attachments will include… For Producer use only. Not for use with clients. A brochure introducing RISK/FSL /Presidential Life and eZ-DI! impaired risk plans* *Presidential’s Income Guard in NY DI

attachments will include… For Producer use only. Not for use with clients. Product Information DI

attachments will include… For Producer use only. Not for use with clients. A SHORT/EASY TO FILL Application Remember! EASY TO SELL… 1) Short Application 2) No blood tests or medical exams (up to $13K Benefit) 3) High acceptance rates! DI

attachments will include… For Producer use only. Not for use with clients. Two Quotes at different Benefit amounts DI

remember to have customer sign second authorization For Producer use only. Not for use with clients. Second Authorization Have your customer sign this 2 nd authorization upfront with the initial application (Download it from Producer Workbench) WHY Allows Ameritas to release medical information to RISK. KEY TO ACCELERATE PROCESS IF DECLINED!!! WHEN If you know of medical history If you are somewhat unsure of outcome Customer has: medical impairments excess coverage occupational risks other risk, etc DI

remember to have customer sign second authorization For Producer use only. Not for use with clients. Second Authorization Have your customer sign this 2 nd authorization upfront with the initial application (Download it from Producer Workbench) Leave -behind DI

the declined DI program with RISK For Producer use only. Not for use with clients. A better way to serve your customers with difficult cases/medical impairments AMERITAS in Partnership with RISK DI

key contacts Your agency or brokerage manager Your Ameritas ® sales development team Your GSI regional director The DI product management team DI For Producer use only. Not for use with clients.