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MFS® Investment Management

MFS® Investment Management (MFS) is a premier global asset manager with offices in Boston, London, Mexico City, Singapore and Tokyo. The firm's history dates back to 1924 and the establishment of the first "open-end" mutual fund. Today, MFS offers a broad range of mutual funds, separate accounts and retirement planning products. MFS portfolios are also available as investment options in defined contribution, pension, variable annuity platforms and 529 plans. All the firm's products are sold exclusively through financial intermediaries. MFS manages more than $134 billion in assets for more than 5 million individual and institutional investor accounts worldwide as of 12/31/08.

Investment Option Firm/Funds MFS^® VIT Initial Class	Asset Category	Risk Ranking	Objective/Primary Investments
Research International	International Large Cap	1 2 3 4 5	Seeks capital appreciation. A core international stock portfolio designed to be broadly diversified by sector with the flexibility to invest across regions, industries, styles and market capitalizations. ¹
Utilities	Specialty	1 2 3 4 5	Seeks total return. The series focuses on utilities stocks believed to have strong growth prospects. These stocks generally come from the gas and electric utilities, telecommunications and cable TV industries. ²

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 these 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).

¹ Foreign securities, foreign currencies and securities issued by U.S. entities with substantial foreign operations can involve additional risk relating to political, economic or regulatory conditions in foreign countries and these risks are greater in emerging markets. These risks include fluctuations in foreign currencies; withholding or other taxes; trading, settlement, custodial and other operational risks; and the less stringent investor protection and disclosure standards of some foreign markets.

²A portfolio that concentrates its investments in one economic sector or geographic region faces the risk of higher share-price volatility.

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