Ameritas Value Plus Survivor Index Universal Life (SIUL) Insurance provides affordable protection for two people. The death benefit is payable at the death of the second insured and can be used to create a legacy, to help provide resources needed to settle an estate or to fund future plans.

Issue Ages (Age nearest birthday):

• 18-75 Preferred Plus Nontobacco
• 18-80 Preferred Nontobacco, Select Nontobacco, Preferred Tobacco
• 18-85 Standard Tobacco, Standard Nontobacco

Joint equal age cannot exceed 85. No maturity ages. Backdating can be up to six months but not prior to the state approval date; except in Ohio, which is three months.

Minimum Face Amount:

• $100,000 Standard Non-Tobacco and Standard Tobacco
• $250,000 all other underwriting classes

Riders Available: Care4Life Accelerated Death Benefit, Four Year Term, Long-Term Lapse Protection, Policy Split, Term Insurance, Waiver of Monthly Deductions, Waiver of Specified Premium