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Summit Mutual Funds, Inc.

Calvert Asset Management Company, Inc. (CAMCO) is the Investment Advisor to the Calvert family of funds and Summit Mutual Funds, Inc., overseeing over $11.5 billion in assets in a broad range of equity, fixed-income, balanced and asset allocation funds. CAMCO's Equities Department oversees the firm's nine world-class equity sub-advisors who provide expertise in their areas of specialization and offer investors a broad spectrum of investment styles and objectives. CAMCO directly manages a full family of fixed-income portfolios for individual and institutional accounts. CAMCO's investment team employs a relative-value strategy, seeking to uncover investment opportunities often overlooked by Wall Street.”.

Investment Option Firm/Fund

Summit

Asset Category

Risk Ranking

Objective/Primary Investments

Natural Resources

Specialty

1 2 3 4 5

Seeks primarily to provide capital growth, consistent with appropriate risk levels, by investing primarily in a portfolio of various exchange-traded funds and exchange-traded notes representing different natural resources exposure.

A portfolio that concentrates its investments in one economic sector or geographic region faces the risk of higher share-price volatility.

Information on the risk ranking of investment options is provided by the UNIFI Investment Products Group (a part of Ameritas Life Insurance Corp.), and is provided as impersonal information, and not as investment advice. The Investment Products Group is not advising you personally concerning the nature, potential, value or suitability of any particular investment option. The provision of a risk ranking does not constitute a recommendation that any particular investment option is suitable for any specific person. Risk rankings are prepared from sources believed to be reliable, but the sources are not guaranteed and may not be accurate. Please consult with your own advisers concerning the advisability of selecting particular investment options within your policy. Risk rankings range from “1” (lower risk and lower reward potential) to “5” (higher risk and higher reward potential).

Ameritas Advisor VUL (form 4051) is issued by Ameritas Life Insurance Corp. and underwritten by affiliate Ameritas Investment Corp. Product available in most states.

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.

AD-VULW 004 Rev. 5-09