Ameritas Direct The No-Load Insurance Pioneer

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Protection with Investment Potential
Ameritas Advisor VUL^SM

Variable universal life insurance helps you protect what's most important and helps you plan for your future. You can feel more secure knowing that if you should die prematurely, your family, business associates, or other beneficiaries will be protected. The policy's death benefit means they will receive the money they need - just when they need it most.

At the same time, variable universal life helps you merge two financial worlds into one valuable policy. By dedicating a portion of your premium payment to tax-deferred investment opportunities, you have the potential to start saving for long-term goals like retirement or college tuition while protecting your loved ones with permanent life insurance.

Some of the benefits of our product include:

Low Expenses - Of course all insurance policies have fees, but policies that have no commissions like the Ameritas Advisor VUL usually cost less.
No Surrender Charge - There's no penalty for canceling your policy at any time ( Any gains are taxed as ordinary income.)
Trusted Investment Fund Managers - Vanguard, Fidelity, Calvert, Rydex, T. Rowe Price and many more.
Broad Range of Investment Options - Covering a full range of asset classes. (Investment options carry their own costs.)

Tax-Free Access to Cash
In addition to providing death benefit protection, Ameritas Advisor VUL can be a tax efficient way to save for your financial goals. And unlike some investments, there are no age restrictions on accessing your policy’s assets or limitations on how you spend it. You can use the account value for:

Supplemental retirement income
College funding
Business needs including buy-sell agreements, key person insurance and deferred compensation

Please be aware that both loans and withdrawals will reduce the policy's cash surrender value and excessive loans or withdrawals may cause the policy to lapse.

UNIFI Remains Strong and Secure
Despite the latest news on Wall Street and Capitol Hill, we are pleased to report UNIFI Companies — Ameritas Life, Acacia Life, Union Central Life and their affiliated companies — remains strong and secure. UNIFI’s strength is in its very strong competitive position, strong earnings, strong capitalization, strong liquidity and the strength of UNIFI’s investment and risk management practices. Read the full story.

A.M. Best Affirms UNIFI's Group Rating of A (Excellent)
A.M. Best Company has affirmed UNIFI's group rating of A (Excellent) for financial strength and operating performance. This is the third highest of A.M. Best's 15 ratings. Download/view the A.M. Best Press Release.

Standard & Poor's Affirms UNIFI Companies' Group Rating of AA-
Standard & Poor's (S&P) has affirmed UNIFI's rating of AA- (Very Strong) for insurer financial strength on members of the group. This is the fourth highest of Standard & Poor's 21 ratings.
Download Full Report
S&P Website

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No-Load Variable Annuity

*UNIFI Companies is a marketing designation for a group of companies inclusive of Ameritas Life Insurance Corp. Ameritas Advisor VUL (form 4051) is issued by Ameritas Life Insurance Corp. and underwritten by affiliate Ameritas Investment Corp. Variable products have investment risk, including the possible loss of principal. Before investing, carefully consider the investment objectives, risks, charges, expenses and other important information about the policy issuer and underlying investment options. This information can be found in the policy and investment option prospectuses. Read the prospectuses carefully before investing. It is possible that coverage may lapse if policy costs reach maximum guaranteed levels, and premiums continue to be paid at the initial planned premium level.

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