1. How to customize this presentation (delete this slide when done) Select the products the association is endorsing. Delete the products that are not applicable to this presentation. Customize the copy. Update your agent/agency information on the title slide and on the final slide. Also update the product offering discounts on slide 15. Do not alter any legally approved content or images required by Ameritas. If you are a Registered Representative, submit your customized file for Compliance Review. UN1884 10-14

2. insurance benefits available to members of (Association Name) Representative Name Agency Name

3. agenda Insurance benefits you’re entitled to through (Association Name) How this program benefits you Cost savings provided to members of (Association Name) Next steps 9/23/2015 3

4. life insurance Life insurance is critical to help make sure your member’s family wouldn’t have to make major changes because of a premature death If your member is a business owner, life insurance may be able to help them enhance or protect the business they’ve worked so hard to create 9/23/2015 4

5. life insurance Life insurance proceeds can: Pay for funeral costs Help pay the bills and meet ongoing living expenses Pay off outstanding debt, including credit cards and the mortgage Continue a family business Finance future needs like a child’s education Protect a spouse’s retirement plans 9/23/2015 5

6. life insurance 80% of Americans say that life insurance is something most people need 1 Only 44% own an individually purchased policy 2 1 Life Happens and LIMRA Insurance Barometer Study, 2014 2 LIMRA Household Trends in U.S. Life Insurance Ownership, 2014 9/23/2015 6

7. life insurance Life insurance can protect loved ones when you’re: Married or getting married A parent or about to become one A homeowner Retired or planning for retirement 9/23/2015 7

8. disability income insurance 8 9/23/2015 Medical problems contributed to 62% of all personal bankruptcies 1 Medical problems contributed to half of all home foreclosure filings 2 1 The American Journal of Medicine, June 4, 2009 Medical Bankruptcy in the United States, 2007: Results of a National Study; David U. Himmelstein, MD, Deborah Thorne, PhD, Elizabeth Warren, JD, Steffie Woolhandler, MD, MPH 2 Get Sick, Get Out: The Medical Causes of Home Mortgage Foreclosures; Christopher Tarver Robertson, Richard Egelhof, & Michael Hoke; August 8, 2008

9. disability income insurance 9 9/23/2015 Chances Out of 1,000 that at Least One Long-Term (90-day) Disability Will Occur Before Age 65 GenRe Disability Fact Book, seventh edition, 2013

10. disability income insurance 10 9/23/2015 How long do wage earners estimate they can continue to pay bills if they lose their income? The Disability Divide, CDA 2010 Consumer Disability Awareness Study 1 year or more Less than 1 month 1 to 3 months 3 months to 1 year

11. Disability income insurance 11 9/23/2015 Example Group disability provides 60% of your basic earnings In most circumstances, you will pay income tax on this amount At a 25% tax rate, you will receive 45% of this benefit after taxes If Social Security were to pay a disability benefit, that amount will reduce your employer benefit by the same amount, resulting in no additional benefit Could you manage on 45% of your income? Representatives of Ameritas do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.

12. retirement plans Possible sources of retirement income: Social Security Pension/Retirement Plan Employment Interest and Dividends Annuities Savings “The Retirement Income Source Book,” LIMRA, 2011 9/23/2015 12

13. retirement plans Nearly 45% of Americans ages 36 - 55 years old are not expected to have enough money to cover basic living expenses like food, utilities and health care through retirement Retirees in the US, on average, expect their savings to last only 14 years 2 1 2012 Retirement Confidence Survey, Employee Benefit Research Institute. 2 http://www.hsbc.com/retirement 9/23/2015 13

14. retirement plans Will your savings last? Plan for the effects of inflation Plan for healthcare expenses What about Social Security? 9/23/2015 14

15. retirement plans A retirement savings plan is essential for small business owners: Provides a way for owners and their employees to save for retirement Can be a valuable tool to recruit and retain employees 9/23/2015 15

16. retirement plans Tax-deferred growth Investment choices to accommodate all investment goals Guaranteed investment account Target date retirement funds Guarantees are based on the claims paying ability of the issuing company. 9/23/2015 16

17. 17 9/23/2015 insurance benefits program 17 9/23/2015 Quality products Highly rated company Professionally trained representative Meaningful discounts o Life insurance: waiver of the premium charge* o Disability income insurance: 15% discount o Retirement plans: plans and discounts will be tailored to your needs *The Premium Charge is a percentage of each premium that we charge and varies by policy form. Our representative can provide you with an illustration showing the discounted premium.

18. 18 9/23/2015 insurance benefits program 18 9/23/2015 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

19. next steps Set up a meeting date Fill out a fact finder to determine needs Evaluate options 9/23/2015 19

20. 20 9/23/2015 Representative Name Agency Name Phone Email (Agency name) is not an affiliate of Ameritas. 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® is a registered service mark of Ameritas Life Insurance Corp. © 2014 Ameritas Mutual Holding Company, 5900 O Street, Lincoln, NE 68510