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| Specified Amount
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Minimum: $100,000
Maximum w/o prior approval: $10 million
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Specified Amount
Banding Limits
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Band 1: $100,000 to $249,999
Band 2: $250,000 to $999,999
Band 3: $1,000,000 & up
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| Policy Charges
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Surrender Charge: None.
Risk Charge: 0.70% annually deducted daily (years 1-15), 0.10% years 16+ (0.90% maximum years 1-15 and 0.30% years 16+), 0% from fixed account.
Cost of Insurance Charge: deducted monthly and varies by age, gender, specified amount and rate class..
Monthly Administrative Charge: $10/mo. for Band 1, $7.50 for Bands 2 & 3 ($10 maximum).
Monthly Specified Amount Charge: First 10 policy years and first 10 years following an increase for a limited number of ages and rate classes.
Premium Charge: 3.5% (5% maximum).
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| Rating Classes
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Preferred Plus Nontobacco, Preferred Nontobacco, Select Nontobacco, Standard Nontobacco, Preferred Tobacco, Standard Tobacco
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| Transfers
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No limit on number of transfers. (Contractually: $10 fee may apply after 15 transfers in a policy year and there may be restrictions on excessive trading.) Minimum transfer amount is $250 or the entire Subaccount or Fixed Account if it is less.
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| Optional Programs
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Portfolio Rebalancing, Earnings Sweep, Dollar Cost Averaging. Systematic programs can help maintain investment diversification, but are not guaranteed to achieve performance results.
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Death Benefit Options
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Option A: Greater of specified amount or account value multipled by the corridor factor
Option B: Greater of specified amount plus account value or account value multiplied by the corridor factor
Option C: Greater of specified amount plus premiums paid, minus partial withdrawals or account value multiplied by the corridor factor
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| Riders
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Children's Insurance Rider, Term Insurance Rider, Waiver of Monthly Deduction Rider, Paid-Up Insurance Benefit Endorsement, Accelerated Benefit Rider.
Riders available in most states. Some riders require an additional charge.
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| Partial Withdrawals
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Minimum of $100. Maximum is the cash surrender value minus the next three monthly deductions.
Current withdrawal charge is $0 (maximum $50). Withdrawals reduce the death benefit and cash value and may cause the policy to lapse.
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| Loans
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Loan interest rate is 4.0%, current and guaranteed. Preferred loans available 5 years after issue at 3.0% interest rate (3.5% guaranteed) on available earnings. Amount of loaned funds in general account earn 3.0%. Excessive loans reduce the death benefit and the cash value and may cause the policy to lapse.
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| Fixed Account Interest Rate
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Guarantees based on the claims paying ability of Ameritas Life Insurance Corp. Minimum rate is 3.0%. No guarantee in subaccounts which include risk of loss, including principal.
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| Transfers from Fixed Account
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Limited to 30 days following policy anniversary (unless dollar cost averaging) and limited to the greatest of (1) 25% of the fixed account value, (2) the amount of any Fixed Account transfer that occurred during the prior 13 month period or (3) $1,000.
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| State Approvals
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Available in all states except NY
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 Need Help? |
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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.
AD-VULW 002 Rev. 12-08
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