Ameritas Direct The No-Load Insurance Pioneer

1-800-555-7746

Product Details
The Ameritas Advisor Select No Load Variable Annuity from Ameritas Life Insurance Corp. is a specialized tax-deferred annuity designed for active investors to execute their investment strategies conveniently and efficiently. There are no commissions, no withdrawal charges and no policy charges--just an insurance expense of 0.90% (guaranteed never to increase!) and investment option expenses. Check out the details below and in the product brochure.

Read the product and investment option prospectuses for detailed information about product risks and expenses before investing any money.

Issue Age	0-85, Joint Annuitants/Joint Owners Available

Minimum Premium	Initial: $10,000 Additional: $250 Automatic Bank Withdrawal: $50

Maximum Premium	$5 million (higher amounts may require prior approval)

Policy Charges	Sales Load: None. Withdrawal Charge: None. Policy Charge: None. M&E Risk Charge: 0.90%, guaranteed never to increase. Premium Taxes: If required by state.

Transfers	No limit on number of transfers. First 15 transfers per policy year are free. Additional transfers may incur a $10 fee per transfer. Minimium transfer is $250. Must maintain subaccount balance of $100. Group trading: Maximum number of policies per trade list is 50.

Guaranteed Death Benefit	If death occurs prior to age 70, the designated beneficiary is paid the greater of the policy value or premiums paid less a proportional reduction for partial withdrawals. If death occurs after age 69, the death benefit is equal to the policy value. Guarantee is based on the claims-paying ability of the insurer.

Partial Withdrawals	No withdrawal charges. Minimum: $250 ($1,000 must remain in account). Withdrawals are irrevocable and are taxed as ordinary income. There is a 10% IRS penalty tax for withdrawals prior to age 59 1/2. Systematic withdrawals are available on request.

Annuitization	Annuitant's age 85 or five years after the issue date, whichever is later. Can be deferred to annuitant's age 95.

Loans	Not available.

Markets	Non-qualified, IRA, SEP-IRA, SIMPLE IRA, Roth IRA, 401(a), and 401(k)

Need Help?

Contact our salaried professionals
at 1-800-555-7746 or e-mail us at direct@ameritas.com.

The Ameritas Advisor Select No Load Variable Annuity (form 6151) is issued by Ameritas Life Insurance Corp. and underwritten by affiliate Ameritas Investment Corp. Portfolio management by ProFund Advisors LLC through subaccounts of Ameritas Life Insurance Corp., separate account LLVA. Ameritas Invesment Corp. and ProFund Advisors LLC are not affiliates.

Product available in most states.

As a security, variable annuities are subject to 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.

ADGW 002 rev 5/07