For producer use only. Not for use with clients.

Growing with Group Ken VanCleave Karen Gustin President, Group DivisionSVP, Group Field Sales, National Accounts & Broker Blocks

For producer use only. Not for use with clients. disclosure 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

For producer use only. Not for use with clients. Ameritas Group Our Passion Statement We help create beautiful smiles, put life into focus, improve listening and promote good health by providing innovative and value-added benefit and service solutions. Our Mission/Purpose To be a leading insurance and service provider of value added dental, vision, sound care and other select benefit solutions to chosen customers, building trusted relationships that will attract and retain customers. Our Vision Through our associates, partners and promises, we aspire to be the premier provider of innovative, value-based products and services – one that impresses our customers the first time and every time we touch their lives; one that provides the valued care our customers desire and deserve; and one that becomes the benchmark for other organizations to be compared and measured.

For producer use only. Not for use with clients. our group strategy We will be a top 10 player in the U.S. dental and vision benefits markets, leveraging our core competencies to grow at or above the respective industry averages Core Competencies* Flexible Solutions Dental and Vision Expertise Customer Connections Excellence Business Consolidation Expertise Multiple Distribution Expertise Financial Management Expertise Strategic Alliances Strategic Partnerships Captive Distribution Reinsurance Strategic Alliances Strategic Partnerships Captive Distribution Reinsurance *Core Competency = difficult to achieve, contributes to the end customer’s experienced benefits and value of the product and service and is not easily imitated by competitors

For producer use only. Not for use with clients. A.M. Best rating A.M. Best Revises Outlook to Positive for Ameritas Mutual Holding Company Subsidiaries OLDWICK, N.J., March 28, 2014—A.M. Best has revised the outlook to positive from stable and affirmed the financial strength rating (FSR) of A (Excellent) and issuer credit ratings (ICR) of “a+” of Ameritas Life Insurance Corp. (Ameritas Life) (Lincoln, NE), Ameritas Life Insurance Corp. of New York (Ameritas NY) (New York, NY), Acacia Life Insurance Company (Acacia Life) (headquartered in Bethesda, MD) and The Union Central Life Insurance Company (Union Central) (headquartered in Cincinnati, OH). These insurance entities comprise the life/health operations of Ameritas Mutual Holding Company (Ameritas) (Lincoln, NE). Concurrently, A.M. Best has revised the outlook to positive from stable and affirmed the debt rating of “a-” of the existing surplus notes of Union Central. The revised outlook primarily reflects the group’s solid balance sheet strength, strong GAAP operating performance, favorable business profile and increasing ordinary life insurance sales in recent periods. The ratings also reflect Ameritas Life’s well-established market position in group dental insurance. In addition, the group’s dental insurance business has performed well over the most recent period with improving morbidity, favorable persistency and increasing sales despite the sluggish economic environment and uncertainties related to implementation of the Patient Protection and Affordable Care Act. A.M. Best also notes Ameritas Life’s improving market position in the ordinary life segment.

For producer use only. Not for use with clients. growth from existing distributions New Sales Millions Plan CAGR: 8.9%

For producer use only. Not for use with clients. new sales rd quarter results The new 2013 third quarter sales report through the National Association of Dental Plans (NADP) and Life Insurance Marketing and Research Association (LIMRA) has been received: New Sales rd Quarter Results 3 rd in All New Sales -4 th in PPO Sales -2 nd in All Voluntary Sales -1 st in Indemnity Sales -1 st in Voluntary Indemnity Sales -7 th in Voluntary PPO Sales

For producer use only. Not for use with clients. PPO net growth Provider Count Numbers are as of December 31

For producer use only. Not for use with clients. what do you need to get a proposal from Ameritas Group? No Census! Name of Employer Nature of Business City, State Zip Plan Design Number of Eligible Employees Number of Participating Employees Employer Contribution by Employee/Dependent Commission Current Carrier Name 3 years of Premium/Claims by Month with Participating Employees (required over 200 enrolled lives) Prior Rate Action by Year (encouraged for all case sizes)

For producer use only. Not for use with clients. to find your Ameritas rep please call:

For producer use only. Not for use with clients. SPC Qualifications Ameritas Special Producer Compensation (SPC) rewards producers for outstanding performance both in new and in force business, in addition to the opportunity to receive a premium growth bonus. This rewards producers who sell both small and large employer sizes.

For producer use only. Not for use with clients. SPC Qualifications 2014 Agent Contract Validation and Conference Production Requirements: 3-times first year commission credit applies toward trips and contracts Agent Contract Validation Conference Qualification Both the Agent Contract Validation and Conference Qualifications