why DI? why now? 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.

everything rests on income DI

For Producer use only. Not for use with clients. income potential at risk Average Income to Age 67* Current Age $50,000/yr $75,000/yr$100,000/yr$150,000/yr$200,000/yr$250,000/yr$300,000/yr 30$1,850,000$2,775,000$3,700,000$5,550,000$7,400,000$9,250,000$11,100,000 35$1,600,000$2,400,000$3,200,000$4,800,000$6,400,000$8,000,000$9,600,000 40$1,350,000$2,025,000$2,700,000$4,050,000$5,400,000$6,750,000$8,100,000 45$1,100,000$1,650,000$2,200,000$3,300,000$4,400,000$5,500,000$6,600,000 50$850,000$1,275,000$1,700,000$2,550,000$3,400,000$4,250,000$5,100,000 55$600,000$900,000$1,200,000$1,800,000$2,400,000$3,000,000$3,600,000 60$350,000$525,000$700,000$1,050,000$1,400,000$1,750,000$2,100,000 *This does not take into account any raises, bonuses or other salary increases that may occur. DI

For Producer use only. Not for use with clients. potential lost earnings due to disability Loss of Lifetime Earnings Income Age at Disability DI

For Producer use only. Not for use with clients. disability would disrupt retirement savings Source: U.S. Census Bureau, 2009 Retirement Savings DI

For Producer use only. Not for use with clients. average savings by age of head of household Survey of Consumer Finances, Federal Reserve System, 2009 DI

For Producer use only. Not for use with clients. workers’ savings only last a limited period of time Average # of Month’s In Pre- Disability Income Saved Source: U.S. Census Bureau Survey of Income Program and Participation, Income DI

For Producer use only. Not for use with clients. most Americans are ignorant on social security DI requirements* Five full months of total disability required before benefits are payable. Expectation of total disability for life, or expectation of death within 12 months. Definition of disability is the inability to engage in any ‘substantial gainful activity.’ Administrative process can last months or years. * Online Social Security Handbook DI

For Producer use only. Not for use with clients. SSDI benefits do not replace enough pre-disability income Poverty Level – Family of 4 for 2011 ($22,350) Source: Federal Register, Vol. 76, No. 13, January 20, 2011, pp SS Avg for 2011 ($22,704/yr) DI

For Producer use only. Not for use with clients. what is the ‘average’ duration for long-term disability? Source: 2010 Guide to Estate, Employee & Business Planning, by Donald Cady DI

For Producer use only. Not for use with clients. which odds are greater? death or disability? Source: 2010 Guide to Estate, Employee & Business Planning, by Donald Cady DI

For Producer use only. Not for use with clients. the need has never been greater At no working age (30-50) are the odds of death greater than disability. The younger the individual, the greater the odds of a disability occurring during their working career. Source: 2010 Field Guide to Estate, Employee & Business Planning, by Donald F. Cady, Copyright 2010, The National Underwriter Company. DI

For Producer use only. Not for use with clients. odds of becoming disabled during a working career Source: 2010 Guide to Estate, Employee & Business Planning, by Donald Cady DI

For Producer use only. Not for use with clients. source of disabilities Source: Gen Re, U.S. Group Disability Rate & Risk Management Survey, 2010 DI

For Producer use only. Not for use with clients. why now? Cost of Disability Insurance is low compared to other insurance needs. Need may be greater than life insurance and other “traditionally” purchased insurance programs. Workers are at risk of losing their ability to clothe, feed, or house themselves. DI

For Producer use only. Not for use with clients. who is buying disability income insurance? 4 th Annual Survey of U.S. Individual Income Insurance Market, Milliman, Oct 2010 DI

For Producer use only. Not for use with clients. Number of Employees % of Companies ProvidingEmployee Disability Coverage Source: Response Analysis Corporation,1994 marketing opportunity DI

For Producer use only. Not for use with clients. many employees think the majority of disability claims are work-related Three times as many disabling injuries occur off- the-job versus on-the-job (2.9-1). 1 Nearly three-fourths of the disabling injuries suffered by workers in 2008 occurred off-the-job. 1 Less than 5% of disabling accidents and illnesses are work related. 2 1.National Safety Council, Injury Facts, 2010 Edition CDA Long-Term Claims Review DI

For Producer use only. Not for use with clients. employees access to group short and long-term disability coverage Source: July 2009, U.S. Department of Labor Statistics (full-time employees only) DI

For Producer use only. Not for use with clients. most smaller employers do not offer LTD benefits Percent (%) Size of Company – Number of Employees Source: LIMRA, “The Changing Group Insurance and Healthcare Marketplace,” 2003 DI

For Producer use only. Not for use with clients. what is the actual access to disability benefits? Source: U.S. Department of Labor, Bureau of Labor Statistics, DI

For Producer use only. Not for use with clients. how to join the cause Ask your personal clients or employer clients about their disability plans If personal clients, ask “how would you pay your bills if your paycheck stopped?” If they say they “have it at work,” ask them to get you a copy of their plan. If employer clients, ask them if they have a plan. If they say they don’t, ask them “how they have dealt or will deal with the disability of an employee.” If they have paid a disabled employee, ask them if they at least have a Salary Continuation Plan. If not, they could have established a precedent they are uncomfortable with for all future claims. DI

For Producer use only. Not for use with clients. types of disability coverage Employer-funded short-term Usually self-funded and short in duration. Short-Term Disability Typically provided by an insurance carrier. Plans typically have short elimination periods and relatively short benefit periods. 0/7-day or 1/8-day elimination periods 13- or 26-week duration Sold as a benefit per week, i.e.., 60% to $500 DI

For Producer use only. Not for use with clients. types of disability coverage (cont.) Long-Term Disability Typically provided by an insurance carrier Plans should coordinate with underlying STD 90- or 180-day elimination period RBD, age 65, five years or two years Sold as a benefit per month, i.e.., 60% to $5,000 Individuals with higher incomes, income outside of base salary, etc., could find themselves “underinsured.” DInamic Fundamental SM (offered in U.S. only by Ameritas ® ) Single, lump sum benefit (based on annual earnings) payable upon claim approval. Policy then terminates. Simple, affordable and attainable DI coverage targeting middle income Americans DI

For Producer use only. Not for use with clients. reverse discrimination Monthly Benefit Monthly Income $5,000/m maximum LTD Plan of 60% of Salary, 90 E.P., $5,000 maximum DI

For Producer use only. Not for use with clients. how to learn more? FA 211 “Essentials of Disability Insurance” through The American College and the International Disability Society (IDS) Disability Income Advisor (DIA) thru AHIP Jeff Sadler’s “How to Sell Disability Insurance” Allan Checkoway and Harry Lew’s “Disability Income Insurance” Ongoing Ameritas ® sales and marketing presentations 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