1. DInamic Fundamental ® Simple, Affordable and Attainable Income Protection for your Clients DI 1525 12-14For producer use only. Not for use with clients.

2. disclosures In approved states, DInamic Fundamental ® (form 4504LS) is issued by Ameritas Life Insurance Corp. In New York, DInamic Fundamental ® (form 5504-LS) is issued by Ameritas Life Insurance Corp. of New York. 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., located at 5900 O Street, Lincoln, NE 68510, Ameritas Life Insurance Corp. of New York, located at 1350 Broadway, Suite 2201, New York, New York 10018 and Ameritas Investment Corp, member FINRA/SIPC. Ameritas Life Insurance Corp. of New York is 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 ® and DInamic Fundamental ® are registered service marks of affiliate Ameritas Holding Company. © 2014 Ameritas Mutual Holding Company DI 1525 12-14For producer use only. Not for use with clients.

3. State Approvals For the most current listing of approvals, please refer to the DInamic Fundamental ® State Approval Grid (DI 1513) DInamic Fundamental ® is not available in the following states: FL, MD, NJ and VT (pending in CA) For producer use only. Not for use with clients. Simple, Affordable and Attainable DI 1525 12-14

4. Agenda Target markets Product design Eligibility Unique features Pricing Sales process Simplified underwriting Marketing tools For producer use only. Not for use with clients.DI 1525 12-14 Simple, Affordable and Attainable

5. Target Markets Prospects Middle income earners making $40,000-$100,000 annual income Working 30+ hours per week Little or no DI coverage in force Homemakers with little to no income (working less than 30 hours per week) outside the home For producer use only. Not for use with clients.DI 1525 12-14 Simple, Affordable and Attainable

6. Marketing Opportunity For producer use only. Not for use with clients. © 2012 Munich American Reassurance Company DI 1525 12-14 Simple, Affordable and Attainable

7. DInamic Fundamental Highlights Unique product design Simple policy provisions Affordable premiums Simplified application process Streamlined sales and underwriting processes For producer use only. Not for use with clients.DI 1525 12-14 Simple, Affordable and Attainable

8. Product Design Guaranteed Renewable to Age 65 Premium paying and coverage periods to Age 65 Issue ages 18-60 (attained age) $18,000 minimum annual income For producer use only. Not for use with clients.DI 1525 12-14 Simple, Affordable and Attainable

9. Product Design Occupational Classes Actual duties performed in all occupations should be considered when determining the eligibility and occupational class for applicants Class 1L An eligible occupation consisting of 50% or less manual duties Class 2L An eligible occupation consisting of more than 50% manual duties Manual duties means any physical activity including, but not limited to: standing, walking, stooping, bending, pushing, pulling, lifting, carrying, climbing, crawling, kneeling and driving a vehicle. For producer use only. Not for use with clients.DI 1525 12-14 Simple, Affordable and Attainable

10. Product Design Ineligible occupations Medical market (chiropractors, physicians, nurses, therapists, veterinarians, etc.) Seasonal occupations, professional athletes, entertainers, artists, and occupations with duties that include: severe environmental, chemical or radioactive exposure; hazardous duties; handling of firearms or explosives; flying an aircraft, and/or may involve extraordinary manual labor or services. For producer use only. Not for use with clients.DI 1525 12-14 Simple, Affordable and Attainable

11. Product Design Definition of Total Disability Inability, due to sickness or injury, to perform any reasonable occupation based on education, training and experience; and Total disability is expected to last at least 365 days* A single, lump sum benefit (or six equal monthly benefit payments) is payable when an insured meets the definition of total disability outlined above No benefits are payable for residual/partial disabilities * Payable after 30 day survival period once it’s determined that a disability is expected to last 365 continuous days. For producer use only. Not for use with clients.DI 1525 12-14 Simple, Affordable and Attainable

12. Product Design Zero-day elimination period Insured must survive disability for at least 30 days Benefit amount is one times annual earnings, rounded to the next $5,000 Insured can elect less than one times earnings. Annual earnings include: Salary, bonuses, commissions and other monetary compensation (net of expenses for business owners and self-employed individuals). $25,000 minimum benefit $100,000 maximum benefit For producer use only. Not for use with clients.DI 1525 12-14 Simple, Affordable and Attainable

13. Product Design Simple, Affordable and Attainable Homemaker Issue Ages 18-60 2L Occ Class (50% or more manual duties) Benefit amount is one half of the household income, rounded to the next highest $5,000 Minimum Benefit $25,000 Maximum Benefit $50,000 Minimum household income $36,000 per year; household incomes under $50,000 a year will qualify for $25,000 (minimum benefit) DI 1525 12-14For producer use only. Not for use with clients.

14. Product Design Once claim is approved, any premiums paid after onset of disability will be refunded Lump sum benefit is available, but benefits may also be paid over a six-month benefit period – option is elected at time of claim For producer use only. Not for use with clients.DI 1525 12-14 Simple, Affordable and Attainable

15. Product Design Policy terminates on the earliest of the following: Once total disability claim is approved and payments begin; Nonpayment of premium; Anniversary date following insured’s 65 th birthday; Upon the owner’s written request; or Upon the insured’s death. For producer use only. Not for use with clients.DI 1525 12-14 Simple, Affordable and Attainable

16. Product Design Exclusions Benefits are not payable for disabilities resulting from: War or act of war, or that result from military service when scheduled active duties is more than three months; Self-inflicted injury; Criminal activity; or Termination of license, except as a direct result of disability. For producer use only. Not for use with clients.DI 1525 12-14 Simple, Affordable and Attainable

17. Product Design Exclusions (cont.) Benefits for disabilities resulting from Mental/Nervous disorders, alcoholism or drug abuse are limited to one- half of the total disability benefit, unless insured is expected to be confined to a hospital for at least 365 days due to the condition. If this is the case, the full total disability benefit is payable. For producer use only. Not for use with clients.DI 1525 12-14 Simple, Affordable and Attainable

18. Product Design Pre-Existing Conditions Any physical or mental condition for which during the six-month period preceding the policy issue date: An insured sought medical treatment; or Symptoms existed that would have caused a reasonably prudent person to seek medical treatment Medical treatment includes medical advice or treatment, diagnostic procedures or prescribed drugs or medication For producer use only. Not for use with clients.DI 1525 12-14 Simple, Affordable and Attainable

19. Product Design Pre-Existing Conditions (cont.) Benefits are not payable for any disability that: Begins in the first 12 months following the policy issue date; and Is caused by or contributed to by a pre-existing condition. A disability caused by or contributed to by a pre- existing condition may be covered only if it begins after 12 months from the issue date of the policy and has not been specifically excluded by name or specific description. For producer use only. Not for use with clients.DI 1525 12-14 Simple, Affordable and Attainable

20. Sales Process Premium rates: Sex-distinct rates Remain level to Age 65 Tobacco rates include a 20% premium load Determined using web-based premium calculator, manual rate sheet or in the Life Designs software Client brochure available where you can notate premium No formal illustration necessary For producer use only. Not for use with clients.DI 1525 12-14 Simple, Affordable and Attainable

21. Sales Process For producer use only. Not for use with clients.DI 1525 12-14 Simple, Affordable and Attainable

22. Sample Pricing For producer use only. Not for use with clients.DI 1525 12-14 Simple, Affordable and Attainable

23. Underwriting Process Uses short and simple application; No blood or urine tests or paramedical exams; No other medical requirements are necessary (APS or PHI); MIB and Script Checks will be used for all cases; Motor Vehicle Reports (MVRs) will be used as needed; For producer use only. Not for use with clients.DI 1525 12-14 Simple, Affordable and Attainable

24. Underwriting Process No income documentation required; No coordination with other DI coverage when determining benefit amount; Applications will either be accepted or rejected; No premium ratings will be used; and Exclusion riders may be used in circumstances requiring them For producer use only. Not for use with clients.DI 1525 12-14 Simple, Affordable and Attainable

25. General Information DInamic Fundamental Compensation* First-Year Commission (FYC) for issue ages 18-49 is 40% of premium FYC for issue ages 50+ is 30% of premium Renewals for all ages are 10% of premium *Compensation is not paid on policy fees. Compensation is subject to producer’s contract type. For producer use only. Not for use with clients.DI 1525 12-14 Simple, Affordable and Attainable

26. General Information Reinstatement Reinstatement will be considered within 90 days after the policy lapses, provided all past due premiums are paid. An application for reinstatement and evidence of insurability may be required. For producer use only. Not for use with clients.DI 1525 12-14 Simple, Affordable and Attainable

27. DInamic Fundamental ® Tools Agent Guide (DI 1507) Client Brochure (DI 1508 and DI 1508 NY) Agent Highlights (DI 1509) Web-Based Premium Calculator Agent Instructional Flyer for using Premium Calculator (DI 1510) Sales Idea (DI 1511VF) Specimen Policy (DI 1512) State Approval Grid (DI 1513) Homemaker Client Flyer (DI 1677VF) Homemaker Producer Flyer (DI 1678) Client Mail-on-Demand Post Card (DI 1530) Producer Mail-on-Demand Post Card (DI 1531) Manual Rate Sheet Flyer (DI 1532) Prospecting Letter – New Prospects (DI 1533) Prospecting Letter – Existing Clients (DI 1534) Excel Spreadsheet Quoting Engine (DI 1540) One-Page Client Flyer (DI 1542VF and DI 1542VF NY) For producer use only. Not for use with clients.DI 1525 12-14 Simple, Affordable and Attainable

28. Questions? For producer use only. Not for use with clients.DI 1525 12-14 Simple, Affordable and Attainable

29. key contacts Your agency or brokerage manager Your Ameritas ® sales development team Your GSI regional director The DI product management team DI 1525 12-14For producer use only. Not for use with clients. Simple, Affordable and Attainable