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Fidelity Investments

Fidelity Investments is one of the largest providers of financial services. As of 12/31/07 Fidelity managed assets of over $1.5 Trillion dollars and has over 85 million shareholder accounts. Fidelity offers investment management, retirement planning, brokerage, human resources and benefits outsourcing services to 18 million individuals and institutions as well as through 5,500 financial intermediaries. The firm is the largest mutual fund company in the United States, the No. 1 provider of workplace retirement savings plans, one of the largest mutual fund supermarkets and a leading online brokerage firm.

Investment Option Firm/ Funds Fidelity^®VIP Initial Class	Asset Category	Risk Ranking	Objective/Primary Investments
Investment Grade Bond	High Quality Bond	1 2 3 4 5	Seeks a high level of current income as is consistent with the preservation of capital by investing in investment grade intermediate fixed-income obligations.
Equity-Income	Large Cap Value	1 2 3 4 5	Seeks reasonable income by investing primarily in income-producing equity securities.
High Income .	High Yield Bond	1 2 3 4 5	Seeks a high level of current income, while also considering growth of capital by investing in lower-rated, income producing debt securities.¹
Contrafund^®	Large Cap Growth	1 2 3 4 5	Seeks long-term capital appreciation by investing the fund's assets primarily in common stocks of companies whose value is believed to be not fully recognized by the public.
Mid Cap	Mid-Cap Growth	1 2 3 4 5	Seeks long-term capital growth by investing in securities of companies with medium market capitalization.²
Overseas	International Large Cap	1 2 3 4 5	Seeks long-term capital growth by investing in foreign securities.³
Strategic Income	Multisector Bond	1 2 3 4 5	Seeks a high level of current income. The fund may also seek capital appreciation. It allocates assets among four general investment categories; high yield securities, U.S. Government and investment-grade securities, emerging markets securities and foreign developed market securities.^1,3

Information on the risk ranking of investment options is provided by the UNIFI Investment Products Group (an affiliate 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).

¹High yield bonds have a higher risk that the issuer of the bond will default on payments of principal and interest.

²Mid capitalization stocks have historically exhibited more volatility than larger-capitalization stocks.

³Foreign 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.

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