Investment Option Performance
Average Annual Total Return as of November 19, 2009

Performance reports available via this website are authorized for use with prospective investors only when accompanied or preceded by current product and fund prospectuses containing detailed information about the policy, investment, limitations and risks. You may access all prospectuses via this website or by contacting us; our address and telephone number are listed elsewhere in this website. Please read the prospectuses carefully before you invest or send any money. More information about the risks of certain investments and about total return performance reports is at the end of this screen.

 

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 The Vanguard Group
Investment Option Unit
Price
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
VIF Balanced   17.965826   0.46%   7.99%   21.01%   34.81%   0.63%   4.57%   5.23%*
  05/23/1991
VIF Diversified   11.880108   2.09%   11.38%   24.17%   41.02%   -5.70%   1.42%   4.65%*
  02/08/1999
VIF Equity Income   13.740236   -0.44%   8.59%   13.77%   26.69%   -6.05%   0.87%   1.72%*
  06/07/1993
VIF Equity Index   21.672327   -0.15%   10.21%   23.10%   38.23%   -6.47%   0.00%   -1.54%*
  04/29/1991
VIF Growth   11.687362   -0.65%   11.52%   31.50%   42.28%   -3.80%   0.81%   -7.15%*
  06/07/1993
VIF High Yield Bond   7.923549   0.91%   7.06%   34.11%   40.91%   2.08%   3.05%   2.59%*
  06/03/1996
VIF International   16.583353   -1.48%   11.06%   40.57%   70.00%   -1.94%   6.51%   3.43%*
  06/03/1994
VIF Mid-Cap Index   12.141944   -3.46%   9.57%   31.73%   57.40%   -6.75%   1.72%   5.11%*
  02/08/1999
VIF REIT Index   9.129670   0.98%   16.94%   19.37%   70.24%   -13.79%   -0.23%   8.40%*
  02/08/1999
VIF Small Company Growth   12.738061   -4.36%   6.19%   30.28%   52.84%   -7.17%   -0.10%   5.53%*
  06/03/1996
VIF Total Bond Market Index   12.355475   0.95%   2.67%   6.36%   11.35%   5.75%   4.53%   4.40%*
  04/29/1991
VIF Total Stock Market Index   22.514042   -0.99%   9.57%   23.94%   40.73%   -6.54%   0.34%   4.85%
  01/08/2003

 Calvert
Investment Option Unit
Price
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
Social Balanced   1.610719   -1.02%   6.92%   22.31%   28.58%   -5.06%   -0.23%   -0.24%*
  09/02/1986
Social Equity   17.086861   -1.27%   9.82%   30.61%   43.63%   -3.13%   1.27%   1.80%
  04/30/2002
Social International Equity   12.070120   -4.62%   6.35%   20.63%   40.93%   -12.09%   -1.04%   -2.37%*
  06/30/1992

 DWS Scudder
Investment Option Unit
Price
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
Dreman Small Mid Value VIP A   9.750878   -4.35%   10.42%   22.99%   50.63%   -5.40%   3.53%   8.19%*
  05/01/1996
Global Thematic VIP A   8.172849   -1.28%   10.80%   39.98%   64.36%   -7.27%   4.72%   2.72%*
  05/01/1998
Health Care VIP A   11.042290   0.49%   7.81%   16.88%   28.33%   0.30%   3.97%   3.39%
  04/24/2001

 Fidelity Investments
Investment Option Unit
Price
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
VIP Contrafund IC   20.294697   -2.48%   9.22%   29.99%   47.52%   -4.47%   3.07%   2.45%*
  01/03/1995
VIP Equity-Income IC   17.498072   -1.74%   9.53%   27.77%   47.34%   -9.14%   -0.89%   0.84%*
  10/09/1986
VIP High Income IC   6.208737   0.85%   6.80%   38.44%   38.82%   2.23%   3.68%   1.45%*
  09/19/1985
VIP Investment Grade Bond IC   13.685779   1.18%   3.80%   15.62%   19.36%   4.82%   3.98%   5.42%*
  12/05/1988
VIP Mid Cap IC   25.444852   -1.56%   11.90%   37.44%   59.64%   -1.38%   5.64%   10.66%*
  12/28/1998
VIP Overseas IC   15.807069   -2.80%   10.24%   24.65%   45.08%   -5.04%   3.38%   0.17%*
  01/28/1987
VIP Strategic Income IC   12.168126   0.81%   6.17%   28.17%   34.23%   6.53%   6.00%   6.13%
  12/23/2003

 Invesco Aim Advisors Inc.
Investment Option Unit
Price
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
V.I. International Growth I   25.613446   -0.09%   11.35%   31.45%   50.84%   -2.10%   7.01%   1.51%*
  05/05/1993

 Rydex
Investment Option Unit
Price
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
All-Cap Opportunity   11.097822   -1.12%   8.15%   22.66%   30.19%   -3.66%   3.02%   2.48%
  05/01/2002
Precious Metals   14.912909   4.61%   34.74%   61.44%   189.99%   7.79%   8.62%   10.18%*
  05/29/1997

 Summit Investment Partners Inc.
Investment Option Unit
Price
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
Natural Resources   46.451802   -1.66%   9.52%   27.33%   33.22%   N/A   N/A   -2.95%
  12/28/2006

 Third Avenue Management
Investment Option Unit
Price
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
Value   16.446483   -3.00%   9.21%   36.98%   60.06%   -9.61%   0.06%   8.53%*
  09/14/1999

 American Century
Investment Option Unit
Price
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
VP Mid Cap Value I   12.022831   -1.42%   8.58%   22.97%   42.54%   -3.02%   N/A   3.93%
  12/01/2004

 Thornburg
Investment Option Unit
Price
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
Ameritas Core Strategies   16.938810   0.18%   8.78%   38.36%   58.82%   -4.20%   3.54%   -4.05%*
  11/01/1999

 Franklin Templeton
Investment Option Unit
Price
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
Templeton Global Bond Securities 2   20.023923   0.46%   5.78%   17.13%   25.32%   11.66%   8.71%   9.80%*
  01/06/1999

 PIMCO
Investment Option Unit
Price
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
Total Return Adm   11.517913   0.97%   3.53%   13.79%   18.03%   5.45%   2.16%   1.74%*
  12/31/1997
VIT CommodityRealReturn Strategy Adm   9.794825   0.68%   11.91%   37.10%   34.06%   -2.61%   0.48%   2.31%
  06/30/2004

 MFS Investment Management
Investment Option Unit
Price
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
VIT Research International IC   11.527608   -2.04%   11.60%   29.70%   55.28%   -4.49%   N/A   4.97%
  04/29/2005
VIT Utilities IC   22.898830   -2.43%   7.43%   25.58%   38.54%   0.92%   9.68%   5.56%*
  01/03/1995

 T. Rowe Price
Investment Option Unit
Price
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
Blue Chip Growth   9.273412   -0.27%   11.02%   36.61%   53.96%   -4.10%   0.75%   -1.26%
  12/29/2000

 The Universal Institutional Funds Inc.
Investment Option Unit
Price
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
Emerging Markets Equity I   12.687507   -0.37%   16.52%   65.68%   100.65%   2.96%   14.26%   7.51%*
  10/01/1996

 The Vanguard Group
Investment Option Unit
Price
  1
Month**
  3
Month**
  Year to
Date**
  1
Year
  3
Year
  5
Year
  10 Year
(or life of fund)
  Inception
Date
VIF Money Market   1.000473   -0.03%   -0.10%   -0.03%   0.18%   2.35%   2.68%   2.50%*
  05/02/1991


Ameritas Fixed Account current rate 4.50%
Current earnings for this portfolio are more closely reflected in the yield, quoted below, than the total return quoted above.
Vanguard Money Market: as of date shown above 7-Day Yield -0.40%, effective yield -0.40%


* 10-year figure
** Returns are cumulative, not average annual
*** Initial rates guaranteed from policy date until policy anniversary. Thereafter, all amounts will earn the interest rate declared in the month of the last policy anniversary.

Risks of Certain Kinds of Portfolios
Money Market Risk. Money market investment options are not insured or guaranteed by the Federal Deposit Insurance Corporation "FDIC" or any other governmental agency. Although the portfolio seeks to preserve the value of your investment at $1.00 per unit, it is possible to lose money by investing in this portfolio.

Overseas/emerging market, sector, and high income and small cap portfolios involve additional risk than may exist in portfolios investing in larger, more established or diversified companies in established countries. More information about the specific risks involved can be found in each such portfolio's prospectus and by clicking on the fund portfolio name, above. The prospectuses for all of the portfolios available through the policy may be downloaded from this website, or contact us to send you a free copy.

Performance Data
The above performance returns reflect fees and charges assessed by the fund companies and current mortality and expenses and administrative risk charges deducted from separate account assets. Some portfolio advisors have agreed to limit their expenses; without these limits, performance would have been lower. The above returns do not reflect the individual cost of insurance or monthly administrative charges associated with the policy and levied on total policy value, or premium taxes levied by some states. Had these fees and charges been deducted, the performance quoted would have been lower. This policy has no surrender charges. Yields shown are "annualized" yields. This means the income generated during the measured seven days is assumed to be generated each week over a 52 week period, and not reinvested, and is shown as a percentage of the investment.

We encourage you to obtain a personalized illustration which reflects all charges of the policy and the impact of those charges upon performance; contact your registered representative or us. See the prospectus for detailed information about policy charges and fund expenses.

For periods prior to the date the policy subaccount began operation, performance data will be calculated based on the performance of the underlying portfolio and the assumption that the subaccounts were in existence for the same periods as those indicated for the underlying portfolio with the level of policy charges that were in effect at the inception of the subaccount.

Investment options with "Ameritas" in their name are part of the Calvert Variable Series Ameritas Portfolios, advised by Calvert Asset Management Company (CAMCO). For investment options other than the Ameritas Money Market, the day-to-day management of the investment options is the responsibility of the corresponding subadvisor under whose name each is listed.

Past performance is no guarantee of future results. The return and principal value of an investment will fluctuate so that investor’s shares, when redeemed, may be worth more or less than their original cost.


This is not an offer in any jurisdiction, nor is it specifically directed to residents of any jurisdiction. This policy may only be sold
pursuant to a prospectus and in those states where it is approved.

Not FDIC Insured May Lose Value No Bank Guarantee