choosing Ameritas for your DI sales What are the Benefits to You and Your Clients? DI For Producer use only. Not for use with clients.

disclosures In approved states, DInamic Foundation (forms 4501NC, 4502GR and 4503BOE) is issued by Ameritas Life Insurance Corp. located at 5900 O Street, Lincoln, NE In New York, DInamic Foundation (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. Ameritas ® and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life ® is a registered service mark of affiliate Ameritas Holding Company. © 2014 Ameritas Mutual Holding Company DI For Producer use only. Not for use with clients.

value Brand Story Mutual Organization Financial Strength Product Broad Applicability Relationship Education Compensation DI

brand story Our calling is “fulfilling life” Mutual organization Financial strength Offering insurance, retirement and investment products Highly welcoming, ethical and professional service Trusted and enduring relationship Strong group ratings Promises made, promises kept We are Ameritas: Proud to say we’re in the business of fulfilling life For Producer use only. Not for use with clients.DI

For Producer use only. Not for use with clients. Ameritas facts Mutual Holding Company Domiciled in Nebraska, with headquarters in Lincoln, NE Home Office – Lincoln, NE Nationwide offices: New York, NY Bethesda, MD Cincinnati, OH San Antonio, TX Wayne, NE Fallbrook (Lincoln, NE) Falls Church, VA DI

For Producer use only. Not for use with clients. Ameritas facts (cont.) Policyholders/Members – 430,000 Assets Under Management –$31.4 billion Life Insurance In Force –$78.4 billion Total GAAP Assets –$17.7 billion Total GAAP Equity –$2.4 billion Number of Associates –2,300 nationwide As of December 31, All numbers are approximate. DI

For Producer use only. Not for use with clients. Ameritas financial strength Standard & Poor’s A+ (Strong) for insurer financial strength This is the fifth highest of Standard & Poor’s 21 ratings A.M. Best Company A (Excellent) for financial strength and operating performance This is the third highest of A.M. Best’s 15 ratings Financial Strength Profile HC 1995 – Available on Producer Workbench Approved for client use DI

For Producer use only. Not for use with clients. Ameritas products and services Life insurance and Annuities Retirement Plans Investments Individual Disability Income Insurance Group Dental, Vision and Hearing Care insurance Public Finance DI

For Producer use only. Not for use with clients. Ameritas DI insurance Ameritas and Ameritas of New York issue the same quality DI insurance products that affiliate Union Central had been issuing since 1966 – 47 years! Continuous review of products, policies and procedures Well versed about our competition Allows us to make necessary changes to maintain a strong product with competitive premiums that maintains profitability DInamic Foundation, our traditional DI product, approved in all states Introduction of DInamic Fundamental SM – Simple, Affordable and Attainable income protection in 45 states. DI

For Producer use only. Not for use with clients. stability Union Central remained in various industries and occupations when other carriers waivered, left and/or reentered the marketplace Determined in the mid-90’s that disability income insurance was a core product and essential for diversification and to add value to our producers Since 2000, Net Earned Premiums have grown on average by 8% compounded Since 2000, Annualized Sales have grown on average by 10% compounded DI

For Producer use only. Not for use with clients. product Our DI insurance products provide great value DInamic Foundation – traditional DI product Target markets Ameritas target markets of Small Business Owners, Affluent and the Emerging Affluent Medical Market, particularly 6M and 5M occupational classes Other professionals and executives (6A-4A) Small Business Market Guaranteed Renewable policy Product and Additional Benefit Rider options Business Owner Upgrades Cost-Conscious Buyers Product Enhancements DI

product (cont.) DInamic Fundamental SM Simple, Affordable and Attainable Targets middle income earners in America ($40,000-$100,000 annual earnings) who typically have little or no DI coverage in force Guaranteed Renewable Single, lump sum benefit (based on annual earnings) payable upon meeting definition of total disability Two occupational classes Policy terminates upon claim approval and payment of benefit For Producer use only. Not for use with clients.DI

For Producer use only. Not for use with clients. broad applicability Maintain products for professional, white-, grey-, and blue-collar prospects DInamic Foundation expanded that by introducing a Guaranteed Renewable option for professional and white-collar occupations Additionally, broadened appeal of product by addition of multiple riders and built-in policy features which provide value and additional pricing options to you and your clients/prospects DI

For Producer use only. Not for use with clients. financial benchmarking of DI carriers Ameritas DI insurance has a strong financial story to tell Created Financial Strength Benchmarking of Disability Income Competitors brochure - HC 1393 We compete with quality carriers in the Disability Income insurance marketplace; however, as demonstrated in this brochure, we are a top-tier disability carrier among a list of top-tier competitors This brochure is approved for client use and is updated twice annually and measures several criteria important to the long- term ability to support the disability product line DI

For Producer use only. Not for use with clients. financial benchmarking brochure – HC 1393 DI

For Producer use only. Not for use with clients. relationships Field sales vice presidents Internal and external wholesalers Ameritas sales development team Product management teams Direct access to DI underwriters Dedicated (in house) claims staff Client service center DI Pacesetter program DI

For Producer use only. Not for use with clients. education Discover DI outreach program Weekly training via webinars Face-to-face agency training available Quarterly sales ideas and accompanying sales materials Annual DI Forum – March 12-14, 2014 in Ponte Vedra Beach, FL FA 211 – The Essentials of Disability Income Insurance – a selling course, offered through The American College DI

For Producer use only. Not for use with clients. compensation* In general, no product will have as lucrative a payout over the first 10 years and beyond as disability income insurance DI Bonuses Current Year Bonus Rate 85-90% 90+ Persistency PremiumRenewal Premiums Persistency $25-49,999 5% Paid in Years 2-5 Paid in Years 2-10 $50,000 10% Paid in Years 2-5 Paid in Years 2-10 *Subject to contract type and other criteria. DI

For Producer use only. Not for use with clients. what does this mean to you? Example: A producer writes $50,000 of premium and maintains a persistency rate of 95% for 10 years. What would he make from just his disability sales, and only talking about direct compensation? One Year Value10 Year Value $50,000 sales each year for 10 years Renewals per year $35,126 $351,260 DI Bonus per year $35,126 $351,260 Total Renewals and DI Bonus $70,252 $702,520 Refer to “Power Up” tab on Producer Workbench to calculate your DI insurance earnings potential. Examples are shown on form DST DI

For Producer use only. Not for use with clients. how do your clients benefit? Protecting what matters most Mutual organization Strength, Trust, Growth Focus is on long-term customer relationships Decisions and strategies made to benefit customers into the future Multiple insurance products Single mission of Ameritas is to protect and enhance financial security and quality of life for our clients Educated producers Efficient and expert claims handling Dedicated customer service team DI

For Producer use only. Not for use with clients. resources HC 1008 – Ameritas Company Overview HC 1449 – Ameritas Financial Strength Highlights (HC 1443 New York version) HC 1995 – Ameritas Financial Strength Profile (HC 1440 New York version) Power Up Calculator on Producer Workbench DST 1499 – Rewarding DI Production and Persistency DI

upcoming DI teleuniversities DI For Producer use only. Not for use with clients.

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