1. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. Five Reasons to Talk to Employer Groups About Guaranteed Standard Issue (GSI) Underwriting DI 1361 12/12

2. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. 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 68510. 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 10018. 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: 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.com Ameritas ® is not authorized to give tax or other legal advice. For specific information applying this strategy, clients should be encouraged to consult an attorney. Guaranteed Standard Issue (GSI) plans may constitute ERISA plans. Please consult an attorney regarding ERISA requirements. Ameritas ® and the bison are registered service marks of the Ameritas Life Insurance Corp. © 2012 Ameritas Mutual Holding Company Disclosures

3. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. Agenda Five Reasons to Talk to Your Employer Clients About GSI The Need – Protect Your Clients’ Most Valuable Asset The Opportunity The Underwriting and Premium Advantages The Rewards The GSI Sales Support

4. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. The Need – Protecting Your Clients’ Most Valuable Asset Average Income to Age 67 Current Age $50,000/yr $75,000/yr$100,000/yr$150,000/yr$200,000/yr$250,000/yr$300,000/yr 30$1,850,000$2,775,000$3,700,000$5,550,000$7,400,000$9,250,000$11,100,000 35$1,600,000$2,400,000$3,200,000$4,800,000$6,400,000$8,000,000$9,600,000 40$1,350,000$2,025,000$2,700,000$4,050,000$5,400,000$6,750,000$8,100,000 45$1,100,000$1,650,000$2,200,000$3,300,000$4,400,000$5,500,000$6,600,000 50$850,000$1,275,000$1,700,000$2,550,000$3,400,000$4,250,000$5,100,000 55$600,000$900,000$1,200,000$1,800,000$2,400,000$3,000,000$3,600,000 60$350,000$525,000$700,000$1,050,000$1,400,000$1,750,000$2,100,000

5. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. The Need – Everything Rests on Income

6. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. The Need Serious disabilities caused by accidents and illnesses have increased dramatically among the workforce – 35% since 2000* This trend is expected to continue in light of: Aging population Growth of life-extending medical technologies Declining general health of population (obesity, diabetes, etc.) * Council for Disability Awareness, “Worker Disability: A Growing Risk to Retirement Security,” Robert G. Taylor, June, 2008.

7. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. The Need – Disability Insurance Awareness Disability is more common than you think A disabling injury occurs every second. (National Safety Council, Injury Facts, 2010 Edition) Disability often keeps people out of work One in eight workers will be disabled for five years or more during their working careers. ( Commissioner’s Disability Tables A and C, assuming equal weights by gender and occupation class, 2010) Most Americans can’t afford to become disabled 71% of Americans would find it very difficult or somewhat difficult to meet their current financial obligations if their next paycheck were delayed for 1 week. ( American Payroll Association, “Getting Paid in America” Survey, 2008) Worker’s Compensation may not be adequate More than 95% of disabling accidents and illnesses are not work related (Council for Disability Awareness, Long-Term Disability Claims Review, 2011)

8. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. The Opportunity Most Americans are not covered by disability income insurance About 67% of the private workforce has no long-term disability insurance* Over 100 million workers do not have private disability income insurance* *Social Security Administration, Fact Sheet March 18, 2011

9. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. The Opportunity Becoming disabled and not being able to work is one of the greatest financial risks American workers face Disability income insurance continues to be one of the most overlooked and misunderstood types of insurance Resources available: Council for Disability Awareness (CDA) www.disabilitycanhappen.org Life and Health Foundation for Education (LIFE) www.lifehappens.org

10. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. The Opportunity – Beneficial for Employers Enhances employer’s employee benefits program Provides a sense of security during challenging economic times, when retirement and investment portfolios are deflated Deductible business expense for employer-paid premiums Salary Continuation Plan established Applies to non-owner premiums Employer-pay plan – fixed expense – Noncancelable DI insurance premium is guaranteed level to age 65 Supplemental DI premium is typically 1% or less of total payroll expense Voluntary plan – additional benefit offered with no additional cost to the employer

11. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. The Opportunity – Beneficial for Employees Better DI insurance policy compared to Group LTD Stronger provisions No offsets Individually owned Fully portable Higher income protection with GSI LTD maximum benefit for highly compensated often not sufficient – reverse discrimination GSI covers total comp vs. base salary only (most LTD plans) LTD typically employer-paid, taxable benefits

12. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. The Opportunity – Is Group LTD Enough? Percent of Income Replacement (Pre-tax) Employers typically manage cost of Group LTD by: Limiting monthly benefit to a maximum of $5,000 - $10,000 Covering salary only LTD Plan - 60% to $10,000 Four employees: w Non-executive - $50,000 salary w Exec 1 - $100,000 salary/$ 50,000 bonus w Exec 2 - $200,000 salary/$100,000 bonus w Exec 3 - $300,000 salary/$200,000 bonus Highest income earners receive lowest percentage of benefit. This common problem is called reverse discrimination.

13. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. Underwriting & Premium Advantages Simplified underwriting Unisex rates Multi-life discounts – based on premium payer and size of group GSI plan supplements Group LTD or stands alone Plan design done at group level – can vary by class Minimum group size 5 for employer-paid plans 10+ for voluntary plans

14. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. Underwriting Advantages Simplified Underwriting No detailed medical underwriting Short-form applications Gatekeeper questions – actively at work, suffered a presumptive loss CAT Rider – loss of ADLs, treatment of mental incapacity Applicants who pass gatekeeper questions are issued standard policies Streamlined financial underwriting – employer census accepted – no tax returns needed for: GSI amounts Up to $5,000 of monthly benefit above GSI amount

15. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. Premium Advantages Permanently discounted, unisex rates Employer-PaidVoluntaryDiscount 5-9 lives10-49 eligible15% 10-49 lives50-149 eligible20% 50-99 lives150-299 eligible25% 100+ lives300+ eligible30%

16. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. GSI Highlights Guaranteed Standard Issue DI insurance Applicants who pass gatekeeper questions are issued standard policies with no medical exclusions or ratings Employer/employee relationship – 1099 okay Employer sponsors or endorses the GSI plan Individual DI insurance policies sold/issued to employees, not employer – worksite marketing GSI is an executive/white-collar benefit – occupational classes 3A and above Medical professionals (with patient duties) are not eligible Medical residents are eligible

17. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. How to Identify a Good GSI Prospect 6A-3A occupational classes Executive carve-outs in blue/grey-collar industries $75,000+ income LTD plan does not fully cover highly compensated Financially stable company/industry Average age less than 50 Female/male ratio – 40/60 Employer: Offers other employee benefits Supportive of marketing plan/endorses GSI plan Group meetings and access to contact employees

18. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. Plan Design Highlights Employer-Paid Minimum of 5 eligible lives 100% participation required GSI 5-9 lives – up to $4,000 monthly benefit 10+ lives - $2,000-$8,000 monthly benefit Voluntary Minimum of 10 eligible lives Greater of 10 enrolled lives or 25% participation required GSI - $2,000 - $5,000 monthly benefit, based on group size Core/Buy-Up Participation required: 100% participation for employer-paid core (typically $500 or $1,000 GSI) Voluntary buy-up – Participation varies (20-25%) based on plan design (typically $2,000 - $2,500 GSI based on risk profile of group)

19. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. DInamic Foundation Product Highlights Noncancelable (NC) and Guaranteed Renewable (GR) policies available Three Definitions of Total Disability – including True Own Occupation Three Mental/Nervous durations – Unlimited for employer-pay 20+ lives Residual/Recovery COBRA Premium benefit* Good Health benefit* *Subject to state variations

20. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. DInamic Foundation Product Highlights Nondisabling Injury benefit* Presumptive Total Disability Survivor benefit* Enhanced Residual Rider (Recovery benefit and 15% Loss of Income trigger) CAT Rider* COLA Riders – 6% Compounded & 3% Simple *Subject to state variations

21. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. Rewards for the Producer GSI makes your life easier: Multiple policies and minimal underwriting Great cross-selling opportunities with higher wage earners Effective use of your time – favorable rate of return on time invested Strong commissions 30%-40% FYC – based on case size FYC paid on additions/increases 10% renewals 2%-5% renewal bonus – based on in force premium and persistency You are 100% vested – no threat of losing commissions

22. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. Rewards – Producer Compensation Sample Case 10 lives – employer-paid All 6A occupational classes Average age – 46 $4,000 base monthly benefit for all Residual and COLA – 6% Compounded Riders included 20% Multi-Life Discount Annual Premium = $15,748 $6,299 FYC $25,196 FYC – 4 Groups per year

23. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. Rewards – Renewal Compensation Year 2 $62,992 – in force premium ($15,748 x 4 groups) 12% renewal compensation (10% + 2% renewal bonus) $7,559 renewal compensation Year 3 $125,984 – in force premium ($15,748 x 8 groups) 15% renewal compensation (10% + 5% renewal bonus) $18,898 renewal compensation

24. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. GSI Sales Support – Request a Proposal Complete Request for Proposal (RFP) form Includes all the information we need to consider a GSI offer Submit census Employee name Gender Date of Birth Occupation title Location Income (base and bonus separated)

25. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. GSI Sales Support & Expertise We make it easy for you! Quotes provided by DI Regional Wholesale Office Offer letter Detailed premium and benefit summary Competitive analysis Consultation on plan design Pre-filled applications Customized enrollment packets Employer and employee meeting presentations We walk you step-by-step through the GSI process

26. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. Recap – Five Reasons Five Reasons to Talk to Your Employer Clients About GSI The Need – Protect Your Clients’ Most Valuable Asset The Opportunity The Underwriting and Premium Advantages The Rewards The GSI Sales Support

27. Discover DI | from Ameritas Life/Ameritas Life of New York For Producer use only. Not for use with clients. Questions? Thanks for participating today. We appreciate your interest!