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DInamic Fundamental® in New York

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1) protecting your income isn’t out of reach disability income insurance DInamic Fundamental® Ameritas Life Insurance Corp. Ameritas Life Insurance Corp. of New York DI 1508 11-15

2) DInamic Fundamental® from Ameritas Life Insurance Corp. allows you to protect your most valuable asset—your income— in the event you become too sick or hurt to work. The product is simple, priced to fit within your budget and offers a streamlined underwriting process. Simple Affordable Attainable

3) It’s Attainable Why should you consider DInamic Fundamental®* for your income protection needs? • Just over one in four of today’s 20-year olds will become disabled before they retire.1 • Simplified underwriting process – No blood or urine tests or paramedical exams – No Attending Physicians Statements (APS) or Personal History Interviews (PHI) required • It is estimated that there are over 37 million disabled Americans—12% of the total population. More than 50% of those disabled Americans are in their working years, ages 18-64.2 – No income documentation – Short and simple application • No extra premium charge for substandard risks • Limited exclusions, for certain medical conditions, may be used when needed • Medical conditions contributed to 62%3 of all personal bankruptcies filed in the U.S. in 2007, a 50% increase over results from a similar study in 2001. • 65% of working Americans say they could not cover normal living expenses even for a year if their employment income was lost; 38% could not pay their bills for more than three months.4 How To Determine the Cost of Your Coverage Your insurance representative will use an online calculator to determine the premium you will pay for the coverage you elect. Using that calculator, your premium is shown below: Annual Premium =___________ How does DInamic Fundamental help protect your ability to earn an income? ® It’s Simple • You can purchase a benefit amount up to one times your annual earnings, not to exceed $100,000 • Pays a single lump sum benefit for total disability that is expected to last at least one year, provided you survive the disability for at least 30 days • No additional benefit riders Monthly Premium =__________ With DInamic Fundamental®, we’ve made it easier and more affordable than ever to own individual Disability Income (DI) protection. For more information about Disability Income insurance or any other products for personal, family or business needs, contact your insurance representative. * May not be available in all states. State variations may apply. Please refer to actual policy for details. • Coverage period is to age 65 • Policy terminates once claim payment is made Sources: 1. Social Security Administration, Fact Sheet February 7, 2013 It’s Affordable • Pricing compares well with other common bill payments (cable, internet, etc.) 2. U.S. Census Bureau, American Community Survey, 2011 • Level premium structure, meaning you pay the same amount every month 3.  he American Journal of Medicine, June 4, 2009 Medical T Bankruptcy in the United States, 2007: Results of a National Study; David U. Himmelstein, MD, Deborah Thorne, PhD, Elizabeth Warren, JD, Steffie Woolhandler, MD, MPH • Premium is based on percentage of manual duties performed in your occupation 4.  ouncil for Disability Awareness, Disability Divide Consumer C Disability Awareness Study, 2010

4) Ameritas Life Insurance Corp. Ameritas Life Insurance Corp. of New York In approved states, DInamic Fundamental® (form 4504LS) is issued by Ameritas Life Insurance Corp. located at 5900 O Street, Lincoln, NE 68510. In New York, DInamic Fundamental® (form 5504-LS) is issued by Ameritas Life Insurance Corp. of New York located at 1350 Broadway, Suite 2201, New York, NY 10018. Policy and riders may vary and may not be available in all states. This information is provided by Ameritas®, which is a marketing name for subsidiaries of Ameritas Mutual Holding Company, including, but not limited to, Ameritas Life Insurance Corp., Ameritas Life Insurance Corp. of New York and Ameritas Investment Corp., member FINRA/SIPC. Ameritas Life Insurance Corp. of New York is licensed in New York. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com. Ameritas® and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life® and DInamic Fundamental® are registered service marks of affiliate Ameritas Holding Company. © 2015 Ameritas Mutual Holding Company