How to | WIN | with UNIFI Companies Orientation Seminar For Producer or Registered Representative use only. Not for use with clients. Ameritas Life Compass SM Index Annuity AN /12

Orientation Seminar For Producer or Registered Representative use only. Not for use with clients Orientation Seminar Disclosures Compass SM Index Annuity (Form ) is issued by Ameritas Life Insurance Corp. in approved states. 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. The product is 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 product. The Russell 2000 ® Index is a trademark of the Russell Investment Group ("Russell") and has been licensed for use by Ameritas Life Insurance Corp. Compass Index Annuity 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. Compass SM Index Annuity

Orientation Seminar For Producer or Registered Representative use only. Not for use with clients Orientation Seminar Disclosures The MSCI EAFE ® is a service mark of MSCI and has been licensed for use by Ameritas Life Insurance Corp. Compass Index Annuity 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 relation ship MSCI has with Ameritas Life Insurance Corp. The index options are not securities; clients are not investing in stocks or in the S&P 500 ®, the Russell 2000 ® nor the MSCI EAFE ® indices. Therefore, credited interest does not include dividends paid by companies included in the relevant index. The index options may not be available in all states, and is not available in New York at this time. Withdrawals from tax-deferred annuities are taxed as ordinary income, and for individuals less than age 59½, IRS Penalties may apply. Withdrawals from IRAs or other qualified plans must be sufficient to meet minimum distribution requirements beginning at age 70½. This information is provided by Ameritas Life Insurance Corp. (not licensed in New York) and Ameritas Life Insurance Corp. of 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 Mutual Holding Company. © 2012 Ameritas Mutual Holding Company Compass SM Index Annuity

Orientation Seminar For Producer or Registered Representative use only. Not for use with clients Orientation Seminar Ameritas Life Index Annuity Product Compass SM With the Compass SM Index Annuity, your clients can have the safety of a fixed interest rate and the opportunity to earn an interest rate linked, in part, to the upside potential of a stock market index while also limiting their downside risk. Give Your Clients Choices Allocating premiums to a fixed account. Three Index options: S&P 500® Index, Russell 2000® Index, and MSCI EAFE® Index. Two crediting methods: point-to-point or monthly averaging. Renew into the same or different index options and index crediting methods. Give Your Clients Guarantees With the Compass SM Index Annuity, your client’s policy accumulation value is guaranteed never to decrease due to the performance of the index options. It also has the potential to increase due to interest credited amounts which in part reflects changes in the equity indexes. In no event will an index rate be less than 0%, protecting your client’s policy from various investment fluctuations. Guarantees are based on the claims paying ability of the issuing company.

Orientation Seminar For Producer or Registered Representative use only. Not for use with clients Orientation Seminar Product Information More information on Compass Index Annuity can be found on Producer Workbench Forms & Applications Sales Materials Agent Guide Product Notices State Approval Rate Line Click here for product landing page Compass SM Index Annuity

Orientation Seminar For Producer or Registered Representative use only. Not for use with clients Orientation Seminar Target Markets Works well for: Clients interested in an easy-to-understand equity index annuity product with some growth potential without downside market risk. Best for conservative money. Not a variable alternative. Compass SM Index Annuity

Orientation Seminar For Producer or Registered Representative use only. Not for use with clients Orientation Seminar Accumulation Options Fixed Account: Earnings based on a monthly declared interest rate, which is for a 12 month period. The declared interest rate has a guaranteed minimum. Guarantees backed by the claims-paying ability of the issuing company. Index options: Earnings are in part based on a percentage of growth in the S&P 500 ® Index, Russell 2000 ® Index, or MSCI EAFE ® Index. Capped method: Index crediting rate mirrors index performance up to a point – the cap (caps set each month) Locked-in gains: Credited gains are applied to the policy as interest and are not at risk for loss in future years. Combination: Fixed and Capped See Rateline on Producer Workbench for Current Cap The index options are not securities; clients are not investing in stocks or in the S&P 500®, the Russell 2000® nor the MSCI EAFE® indices. Therefore, credited interest does not include dividends paid by companies included in the relevant index. The index option may not be available in all states, and is not available in New York at this time. Compass SM Index Annuity

Orientation Seminar For Producer or Registered Representative use only. Not for use with clients Orientation Seminar Crediting Methods Two crediting methods available: Point-to-Point: The change between the index’s beginning value and ending value over the index period. Monthly Averaging: The change between the index’s beginning value and the average of 12-monthly ending values over the index period. Compass SM Index Annuity

Orientation Seminar For Producer or Registered Representative use only. Not for use with clients Orientation Seminar Flexibility Transfers between index options are UNLIMITED and occur on the renewing index date. Flexible premiums: clients may deposit money as often as they choose. Dollar cost averaging Enhanced Dollar Cost Averaging Compass SM Index Annuity

Orientation Seminar For Producer or Registered Representative use only. Not for use with clients Orientation Seminar Accessibility Client friendly surrender charge: after just 8 years from contract date, clients can access funds without surrender charge regardless of premium deposit date. Client-friendly withdrawals: during the surrender charge period, clients may access up to 10% of their account balance after the first policy year free of surrender charge. Withdrawals from tax-deferred annuities are taxed as ordinary income. For individuals less than age 59½, IRS Penalties may apply. Withdrawals from IRAs or other qualified plans must be sufficient to meet minimum distribution requirements beginning at age 70½. Compass SM Index Annuity

Orientation Seminar For Producer or Registered Representative use only. Not for use with clients Orientation Seminar Marketing Materials Compass SM Index Annuity

Orientation Seminar For Producer or Registered Representative use only. Not for use with clients Orientation Seminar Brainsharks Compass SM Index Annuity

Orientation Seminar For Producer or Registered Representative use only. Not for use with clients Orientation Seminar Key Contacts For Questions Call Sales Development at option 1 Compass SM Index Annuity

Orientation Seminar For Producer or Registered Representative use only. Not for use with clients Orientation Seminar Thank you. Compass SM Index Annuity