Ethos Agent Playbook

Underwriting & Product Overview

16

Ethos IUL (Continued)

Available index accounts

Please refer to the Ethos agent portal (Agent Resource Center » Products) for cap and par rates. All accounts have a 0% floor.]

S&P 500® Sector Rotator Daily RC2 5% Index | 1 Yr S&P 500® Index | 1 Yr & 2 Yr BNP Paribas Momentum Multi Asset 5 Index | 1 Yr & 2 Yr

The S&P 500® Sector Rotator Daily RC2 5% Index has limited historical information having launched on 10/19/2018. For more information about the S&P 500® Sector Rotator Daily RC2 5% Index, visit https://www.spglobal.com/spdji/en/indices/strategy/sp-500-sector-rotator-daily-rc2-5- index/#overview . The S&P 500® and S&P 500® Sector Rotator Daily RC2 5% are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by Ameritas Life Insurance Corp. S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). Ameritas Life Insurance Corp.’s life insurance products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500® or S&P 500® Sector Rotator Daily RC2 5%. The BNP Paribas Momentum Multi-Asset 5 Index (the “Index”) has limited historical information having launched on 1/27/2017. For more information about the Index, visit https://momentum5index.bnpparibas.com . The Ameritas Life Insurance Corp.’s life insurance product is not sponsored, endorsed, sold, or promoted by BNP Paribas or any of its affiliates (collectively, “BNP Paribas”). Neither BNP Paribas nor any other party (including without limitation any calculation agents or data providers) makes any representation or warranty, express or implied, regarding the advisability of purchasing this product. The BNP Paribas Momentum Multi-Asset 5 Index, US Innovative Leaders 5 Index, and US Governance Multi-Asset Index (the “Indices”) are the exclusive property of BNP Paribas. BNP Paribas and the Indices are service marks of BNP Paribas and have been licensed for use for certain purposes by Ameritas Life Insurance Corp. Neither BNP Paribas nor any other party has or will have any obligation or liability to owners of this product in connection with the administration or marketing of this product, and neither BNP Paribas nor any other party guarantees the accuracy and/or the completeness of the Indices or any data included therein.

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