For Producer use only. Not for use with clients.

care4life: the “life cycle” of protection Justin L. Smith Field Marketing Sales Director, East Region Kelly Halverson, FSA, MAAA 2 nd Vice President Individual Product Development LI

For Producer use only. Not for use with clients. disclosures Excel Essential UL (Form 3005), Excel Index UL (Form 3009), Excel Plus Index UL (Form 3016), Keystone Whole Life (Form 3013), Keystone Foundation Whole Life (Form 3015) and the Ameritas Care4LIfe Acceleration rider (form DBAR) are issued by Ameritas Life Insurance Corp. In New York, Excel Essential UL (Form 5005), Excel Index UL (Form 5009), Keystone Whole Life (Form FA 8612 NY) and Keystone Foundation Whole Life (Form 5001 NY) are issued by Ameritas Life Insurance Corp. of New York. Products and riders may not be available in all states, or may vary. Standard & Poor’s 500™ Index is comprised of 500 stocks representing major U.S. industrial sectors. S&P 500 ® and Standard & Poor’s 500™ are trademarks of Standard & Poor’s and have been licensed for use by Ameritas Life Insurance Corp. Excel Index UL and Excel Plus Index UL are not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s does not make any representation regarding the advisability of investing in the products. The Russell 2000 ® Index is a trademark of the Russell Investment Group ("Russell") and has been licensed for use by Ameritas Life Insurance Corp. Excel Plus Index UL is not sponsored, endorsed, sold or promoted by Russell and Russell makes no representation regarding the advisability of purchasing the product. Russell Investment Group is the source and owner of the trademarks, service marks and copyrights related to the Russell Indexes. Russell ® is a trademark of Russell Investment Group. The MSCI EAFE ® is a service mark of MSCI and has been licensed for use by Ameritas Life Insurance Corp. Excel Plus Index UL is not sponsored, endorsed, sold or promoted by MSCI and MSCI makes no representation regarding the advisability of purchasing the product. The product contract contains a more detailed description of the limited relationship MSCI has with Ameritas Life Insurance Corp.

For Producer use only. Not for use with clients. disclosures Withdrawals and loans will reduce available death benefit and policy value. Withdrawals beyond the investment in the contract may be taxable income. Excessive and unpaid loans will reduce death benefits and policy value and may cause the policy to lapse. If a policy lapses, unpaid loans are treated as distributions for tax purposes. Policy guarantees are based upon the claims-paying ability of the issuing company. Building cash value in life insurance products is a long-term strategy. This seminar is for informational purposes only. The speakers and presenters appearing at this seminar are solely responsible for the content of their presentations and may not necessarily represent the opinions of Ameritas Life Insurance Corp. (Ameritas Life), or any of its affiliates. Neither Ameritas Life nor any of their representatives are in the business of giving tax, legal, or accounting advice. Attendees should consult with their own accounting, tax or legal professionals to determine action appropriate for their unique situation. 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. 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. © 2014 Ameritas Mutual Holding Company

For Producer use only. Not for use with clients. consider this How many people over age 65 need long-term care? How many people who reach age 65 will enter a nursing home during their lifetime? Source: longtermcare.gov

For Producer use only. Not for use with clients. consider this What is the cost per month for a private room in a nursing home? How much does it cost per month for care in an assisted living facility? What is the hourly rate for home health assistance? Source: longtermcare.gov

For Producer use only. Not for use with clients. start the conversation If you were to be diagnosed with a serious medical condition today, who would you turn to first? Are you prepared to take this on? Who will write the check? How can you avoid becoming a burden? Will the legacy you leave your loved ones be what you intended?

For Producer use only. Not for use with clients. life insurance helps provide answers Life insurance can provide a death benefit or an accelerated death benefit at the moment they’re needed

For Producer use only. Not for use with clients. care4life acceleration rider* No spending restrictions No extra cost Simple qualification Policy retains death benefit * Accelerated benefits are not LTC riders. The amount this rider will pay may NOT be enough to cover nursing home or other bills. This rider may affect medicaid eligibility.

For Producer use only. Not for use with clients. care4life acceleration rider Benefits are payable for the following conditions: Critical illness -Maximum amount: up to 10% of death benefit (maximum $25,000) Chronic illness -Maximum amount: up to 50% of death benefit (maximum $400,000) Terminal illness -Maximum amount: up to 50% of death benefit (maximum $500,000)

For Producer use only. Not for use with clients. summary For you Helps you sell more permanent life insurance No cost rider – you don’t have to sell the rider For your client Helps provide more peace for them and their family They can use the living benefit any way they choose Policy will still have value as life insurance For Ameritas Helps support our mission to “touch more lives”

For Producer use only. Not for use with clients. marketing materials

For Producer use only. Not for use with clients. care4life state approvals Approved in 44 states on Excel Essential UL, Excel Index UL and Excel Plus Index UL AK, AL, AR, AZ, CO, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY

For Producer use only. Not for use with clients. care4life state approvals Approved in 41 states on Keystone Whole Life and Keystone Foundation Whole Life AK, AL, AR, AZ, CO, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, VT, WV, WY

For Producer use only. Not for use with clients. call to action Pick your five best clients between ages 30 to 55 and take time to contact them

For Producer use only. Not for use with clients. questions For questions and support, call your Ameritas Sales Development Team , option 1