How to customize this presentation (delete this slide when done) Customize the copy. Update your agent/agency information on the title slide and on the final slide, fill in the association information on slide 4. 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.

add value to membership provide an insurance benefits program Representative Name Agency Name

association information (Association name) Serves (specific occupation) in (geographical area) Mission is to () [XXX] members Currently, (Association Name) does not offer a life insurance program, a long-term DI insurance plan, or a retirement plan for its members

agenda What benefits can you provide? How the members benefit How the association benefits Next steps 10/10/ American Journal of Medicine, 2009

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 10/10/2015 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 10/10/2015 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, LIMRA Household Trends in U.S. Life Insurance Ownership, /10/2015 7

disability income insurance 8 10/10/2015 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

disability income insurance 9 10/10/2015 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

disability income insurance 10 10/10/2015 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

retirement plans Sources of retirement income: Social Security Pension/Retirement Plan Employment Interest and Dividends Annuities Savings “The Retirement Income Source Book,” LIMRA, /10/

retirement plans Nearly 45% of Americans ages 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 Retirement Confidence Survey, Employee Benefit Research Institute /10/

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 10/10/

14 10/10/2015 insurance benefits program 14 10/10/2015 Quality products Highly rated company Professionally trained representative Meaningful discounts o Life insurance: waiver of total 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.

15 10/10/2015 insurance benefits program 15 10/10/2015 Stable, reliable company Continuous review of products, policies and procedures Well versed about our competition Strong products with competitive premiums

16 10/10/2015 insurance benefits program 16 10/10/2015 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

association benefits Association gets the credit: All marketing literature is customized with association name and logo Initial announcement comes from the association leadership Marketing plan is constructed with your input and approval – to make sure it meets your needs Ongoing exposure: mailings to members, ads in the newspaper and other publications, representation at meetings, etc.

association benefits Retention Better ability to recruit and retain members The message to the existing membership is a strong one: the association is always seeking ways to add value to members and to attract new members

association benefits No expenses No bookkeeping expense since members are billed directly by Ameritas Life Advertising and marketing expenses are the responsibility of the agent and the insurance company

next steps Define product offerings Sign letter of endorsement Develop one-year marketing plan Send out announcement to members Provide association logo to agent We take care of the rest! 10/10/

21 10/10/2015 Representative Name Agency Name Phone (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: Ameritas Life Insurance Corp., Ameritas Life Insurance Corp. of New York, Acacia Life Insurance Company, The Union Central Life Insurance Company and Ameritas Investment Corp., member FINRA/SIPC. Ameritas Life Insurance Corp and Acacia Life Insurance Company are 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