Ameritas Direct The No-Load Insurance Pioneer

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Pacific Investment Management Company LLC
PIMCO is a leading, global institutional money manager specializing in fixed-income investments with over $746.3 billion in assets under management. The firm offers innovative fixed income strategies designed to outperform benchmark indices over longer periods of time. Portfolios for insurance products are provided through the PIMCO Variable Insurance Trust.

Investment Option Firm/Funds PIMCO VIT Administrative Class	Asset Category	Risk Ranking	Objective/Primary Investments
CommodityRealReturn^TM Strategy	PIMCO VIT Administrative Class	1 2 3 4 5	Seeks commodity-linked derivative instruments backed by an actively managed portfolio of inflation-indexed and other fixed income securites by investing for both current income and capital appreciation that seek a maximum real return (total return less inflation).¹
Total Return	Intermediate Term Bond	1 2 3 4 5	Seeks maximum total return, consistent with preservation of capital and prudent investment management. The portfolio seeks to achieve its investment objective by investing, under normal circumstances, at least 65 percent of its total assets in a diversified portfolio of fixed-income securities of varying maturities. The average duration of this portfolio normally varies within two years (plus or minus) of the duration of the Barclays Capital U.S. Aggregate Index.²

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).

1. Exposure to commodities is subject to a number of specialized risks, including liquidity and credit risks.

2. Indexes are unmanaged.

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