DInamic Foundation Individual Noncancelable (NC) and Guaranteed Renewable (GR) Policy Provisions For Producer use only. Not for use with clients.DI

disclosures In approved states, Disability Income insurance (forms 4501NC, 4502GR and 4503BOE) is issued by Ameritas Life Insurance Corp. located at 5900 O Street, Lincoln, NE In New York, Disability Income insurance (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. © 2013 Ameritas Mutual Holding Company For Producer use only. Not for use with clients.DI

For Producer use only. Not for use with clients. state approvals Ameritas ® DI is approved in 50 states (including Washington, D.C.) DInamic Foundation goes live in California this Friday, November 15, 2013 DI insurance in New York is issued by Ameritas Life Insurance Corp. of New York DI

For Producer use only. Not for use with clients. Ameritas ® – issuing the same DI products previously offered by Union Central Life since 1966 DI

For Producer use only. Not for use with clients. Noncancelable and Guaranteed Renewable (form 4501NC; 5501-NC in New York) Guaranteed Renewable (form 4502GR; 5502-GR in New York) Business Overhead Expense (form 4503BOE; BOE in New York) Ameritas ® product portfolio DI

For Producer use only. Not for use with clients. benefit & elimination periods Noncancelable and Guaranteed Renewable (NC) & Guaranteed Renewable (GR) Policies Benefit PeriodElimination Period To Age 70/67/6590, 180, 365, 730 days Ten Year90, 180, 365, 730 days Five Year30, 60, 90, 180, 365 days Two Year30, 60, 90, 180 days One Year30, 60, 90 days DI

For Producer use only. Not for use with clients. plan flexibility Definitions of Total Disability Own Occupation Own Occupation coverage for the length of the benefit period Own Occupation and Not Working Own Occupation and Not Working for the length of the benefit period 5-Year Own Occupation and Not Working thereafter Own Occupation for five years, then Not Working for the remainder of the benefit period (Available to 3A and 3M occupational classes only) DI

For Producer use only. Not for use with clients. basic policy provisions Noncancelable and Guaranteed Renewable 6A, 5A, 4A, 3A, 2A – Nonmedical 6M, 5M, 4M, 3M, 2M - Medical Guaranteed Renewable 6A, 5A, 4A, 3A, 2A, A and B - Nonmedical 6M, 5M, 4M, 3M, 2M and M - Medical All Policies are Conditionally Renewable for Life DI

For Producer use only. Not for use with clients. basic policy provisions* Successive Periods of Total Disability Presumptive Total Disability Surgical Transplant Cosmetic Surgery Rehabilitation *Subject to state availability and variations. DI

For Producer use only. Not for use with clients. basic policy provisions* Treatment of Nondisabling Injuries – unique in industry Waiver of Premium Good Health - unique in industry Survivor COBRA Premium *Subject to state availability and variations. DI

For Producer use only. Not for use with clients. additional benefit riders* Enhanced Residual Disability Basic Residual Disability Social Insurance Substitute Cost of Living Adjustment – 6% Compound Cost of Living Adjustment – 3% Simple Automatic Increase Future Increase Option Catastrophic Disability *Subject to state availability and variations. DI

For Producer use only. Not for use with clients. enhanced residual disability rider Available to nonmedical occupational classes 6A-3A Either Enhanced or Basic Residual is required for medical occupational classes 6M-3M DI

For Producer use only. Not for use with clients. basic residual disability rider Available to nonmedical occupational classes 6A-2A Either Enhanced or Basic Residual is required for medical occupational classes 6M-3M Basic Residual is required for medical occupational class 2M DI

For Producer use only. Not for use with clients. enhanced and basic residual disability riders 15% loss of prior monthly earnings AND Inability to perform one or more of the material and substantial duties of your occupation; OR Inability to engage in your occupation for 80% of the time, as was usual prior to the start of your disability. DI

For Producer use only. Not for use with clients. enhanced and basic residual disability riders No days of total disability are required Total benefit paid with 75% loss of earnings as a result of disability (Enhanced Residual only) Cash or accrual accounting method Enhanced Residual 50% minimum benefit for first six months Basic Residual 50% maximum benefit for Basic Residual DI

For Producer use only. Not for use with clients. enhanced and basic residual disability riders Prior Monthly Earnings: Average monthly earnings for the last 12 or 24 months, whichever is higher Indexed Compounded CPI-U linked DI

For Producer use only. Not for use with clients. enhanced residual disability rider Recovery Benefit Built-in feature Payable if, in the month immediately following a period for which monthly disability benefits have been paid, the insured returns to his/her occupation, and Maintains a minimum loss of earnings of 15%; and A demonstrable relationship exists between the loss of monthly earning and the previous disability Payable up to the maximum benefit period DI

For Producer use only. Not for use with clients. partial disability benefit Built into Guaranteed Renewable policy only Ability to do one or more but not all of the main duties of your occupation; or Ability to perform all of your main duties for 50% or less of the time normally required 50% maximum monthly benefit – payable for maximum of 12 months If either Enhanced or Basic Residual Rider is selected, the Partial Disability Benefit is not payable DI

For Producer use only. Not for use with clients. cost of living adjustment rider – 6% compounded Available to nonmedical occupational classes 6A-2A Available to medical occupational classes 6M-2M DI

For Producer use only. Not for use with clients. cost of living adjustment rider – 6% compounded CPI-U linked Minimum of 1%; up to 6% compounded Right to purchase increases “Catch up” feature DI

For Producer use only. Not for use with clients. cost of living adjustment rider – 3% simple Available to nonmedical occupational classes 6A-2A Available to medical occupational classes 6M-2M DI

For Producer use only. Not for use with clients. cost of living adjustment rider – 3% simple Provides 3% simple interest increase in monthly benefit after first 12 months of disability Flat 3% increase, even if CPI-U is below 3% No “catch up” feature DI

For Producer use only. Not for use with clients. social insurance substitute rider Available to nonmedical occupational classes 6A-B Available to medical occupational classes 6M-M DI

For Producer use only. Not for use with clients. social insurance substitute rider Pays an additional disability benefit each month if the insured: Is totally disabled; and is Receiving limited or no Social Insurance Benefits Definition of this rider follows that of the base policy DI

For Producer use only. Not for use with clients. social insurance substitute rider Dollar-for-dollar offset * ** BASE & SISR $2,000 $750 SS PaymentNone$1,250 $2,000 $3,000 *All, 1/3 or none in NJ and NY **SISR definition of total disability is the same as the base monthly benefit DI

For Producer use only. Not for use with clients. automatic increase rider Available to nonmedical occupational classes 6A-2A Available to medical occupational classes 6M-2M DI

For Producer use only. Not for use with clients. automatic increase rider No cost to add to policy at issue 4% simple annual increase (rounded up to next $10) for 5 years No financial or medical evidence required to exercise Additional 5-year benefit option available with only financial underwriting Minimum base benefit of $1,000 required One refusal will forfeit remaining options during any five-year period and will forfeit the insured’s right to reapply for a new five-year option period DI

For Producer use only. Not for use with clients. future increase option rider Available to nonmedical occupational classes 6A-2A Available to medical occupational classes 6M-2M DI

For Producer use only. Not for use with clients. future increase option rider Available up to issue age 50 No medical evidence of insurability required when exercising increases (only financial) Within first three years after policy issue, a client may, on any one policy anniversary, exercise the full amount. Thereafter, 50% of base benefit, each policy anniversary, up to age 55 Amount available at issue = 3 x base benefit, not to exceed Maximum I&P Limits Guarantees rates, occupational classification and language of the original policy We also allow off-anniversary exercise of the FIO if insured has ‘significant’ changes in his/her financial situation DI

For Producer use only. Not for use with clients. catastrophic disability rider Available to nonmedical occupational classes 6A-2A Available to medical occupational classes 6M-2M Not available in CT In Texas, CAT Benefits are payable for a total and permanent presumptive disability or severe cognitive impairment requiring substantial supervision DI

For Producer use only. Not for use with clients. catastrophic disability rider Severe cognitive impairment or the inability to perform 2 of 6 Activities of Daily Living, without standby assistance: Eating Dressing Transferring Toileting Continence Bathing DI

For Producer use only. Not for use with clients. catastrophic disability rider Maximum Issue 100% replacement of the insured’s gross income, net of any business expenses, with a combination of base, SIS, CAT benefits and any other DI coverage in force $3 of CAT benefit for every $1 of Base, SIS benefit, not to exceed $10,000* Elimination and benefit period flexibility *$1 of CAT for every $1 of Base in NJ. DI

For Producer use only. Not for use with clients. catastrophic disability rider – base & CAT issue limits Max $10,000 $12, % $4,000 $6,000 $3 for $1 base $3,000 $1,000 $280,000$120,000 $60,000 DI

For Producer use only. Not for use with clients. exclusions and limitations All individual DI policies Noncancelable and Guaranteed Renewable Guaranteed Renewable DI

For Producer use only. Not for use with clients. exclusions and limitations Incarceration War or act of war, declared or undeclared Suspension of your professional license Undisclosed pre-existing conditions 12-month foreign residency limit Intentional self-inflicted injury DI

For Producer use only. Not for use with clients. mental/nervous disorders and substance abuse limitations* Fully underwritten individual DI NC Policies Nonmedical Occupational Classes 6A-4A 5-Year Limitation for life of policy Nonmedical Occupational Class 3A-2A 2-Year Limitation for life of policy Medical Occupational Classes 6M-2M 2-Year Limitation for life of policy GR Policies 2-Year Limitation for life of policy on ALL GR policies *State variations may apply. DI

For Producer use only. Not for use with clients. competitive premium features 25% Tobacco Differential 10% - 15% Multi-Life Discounts* 10% from sex-distinct for 2-4 approved lives If group reaches 5+ lives, discount will go to 15%, rates remain sex-distinct 15% from unisex for 5+ approved lives If group decreases below 5 lives, 15% discount and unisex rates will remain 15% - 30% Multi-Life (GSI) Plans Discounts 15% Association Discount 5% Double Annual Premium Discount** Unisex and Sex-Distinct Rates *Subject to state variations * *Not available in NY or in conjunction with the Automatic Increase Rider DI

For Producer use only. Not for use with clients. business owner upgrade* Enhanced program! Available for business owners: Doing no more than 25% manual duties; At least 25% ownership of stable business for last two years; and At least three full-time, year-round employees (other than immediate family members) *All upgrades must be approved by underwriting. DI

For Producer use only. Not for use with clients. business owner upgrade One-Class Upgrade Available if: The original occupational class is 3A, 2A or A for individual DI or 2A for Business Overhead Expense (BOE) Two-Class Upgrade Available if: The original occupational class is 2A or A for individual DI (Not available for BOE); Insured uses EZ App Process Requires the Managerial Duties Endorsement DI

For Producer use only. Not for use with clients. additional benefits for business owners Up to an additional 25% of the base monthly benefit being applied for (base and SISR) Occupational classes 6A, 5A, 4A, 3A or 2A and Minimum 25% ownership in stable business for last two years $1,000 maximum additional monthly benefit Subject to Maximum Issue and Participation Limits DI

For Producer use only. Not for use with clients. questions? DI

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