Investment Option Performance
Average Annual Total Return as of September 1, 2010

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 options, 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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 American Century Investment Mgmt, 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
VP Income & Growth I   6.425665   -2.33%   -0.64%   -3.39%   6.11%   -10.89%   -3.20%   -2.26%*
  10/30/1997
VP Mid Cap Value I   12.476609   -0.96%   1.82%   1.88%   16.15%   -2.84%   3.08%   4.43%
  12/01/2004

 Calvert Asset Management, 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
VP Barclays Capital Aggregate Bond Index   54.562769   0.98%   3.63%   7.02%   7.56%   6.64%   4.82%   3.96%
  03/31/2003
VP EAFE International Index   67.643397   -0.49%   9.09%   -5.92%   1.46%   -11.10%   -0.33%   6.01%
  11/12/2002
VP Income   23.096227   1.58%   3.22%   6.59%   11.62%   4.58%   3.87%   5.33%
  04/30/2002
VP Inflation Protected Plus   57.658442   2.21%   3.32%   6.32%   8.37%   5.00%   N/A   5.18%
  12/28/2006
VP Lifestyle Aggressive   42.914161   -1.32%   2.41%   -1.29%   7.49%   -5.55%   N/A   -3.60%
  12/28/2006
VP Lifestyle Conservative   50.314320   -0.46%   2.72%   1.53%   6.66%   -0.28%   N/A   0.59%
  12/28/2006
VP Lifestyle Moderate   44.930193   -0.89%   2.45%   0.02%   7.05%   -4.39%   N/A   -2.71%
  12/28/2006
VP Mid Cap Value   19.638627   -0.37%   2.47%   0.28%   14.80%   -8.37%   -2.58%   2.71%
  01/02/2001
VP Nasdaq 100 Index   4.699448   -2.38%   -0.97%   -2.50%   13.25%   -3.74%   1.91%   -8.94%*
  04/27/2000
VP Natural Resources   44.704177   -0.62%   5.88%   -5.19%   8.44%   -6.06%   N/A   -3.31%
  12/28/2006
VP Russell 2000 Small Cap Index   12.074033   -3.97%   -2.56%   -0.24%   11.60%   -7.61%   -1.45%   1.17%*
  04/27/2000
VP S&P 500 Index   72.308324   -1.79%   1.11%   -2.58%   9.13%   -8.79%   -1.51%   -2.79%*
  12/29/1995
VP S&P MidCap 400 Index   13.378369   -1.87%   0.43%   2.58%   16.40%   -4.81%   0.78%   2.84%*
  05/03/1999
VP Small Cap Growth   30.723204   -2.85%   0.22%   4.31%   22.28%   -3.69%   3.06%   -5.39%*
  11/01/1999
VP SRI Balanced   2.094172   -0.33%   1.59%   1.15%   9.81%   -4.95%   -0.94%   -1.05%*
  09/02/1986
VP SRI Equity   16.910386   -1.05%   0.26%   -2.40%   8.52%   -4.86%   0.00%   1.45%
  04/30/2002
VP SRI Large Cap Value   59.504681   -2.11%   0.35%   -3.85%   6.76%   -11.14%   -2.06%   2.71%*
  08/15/1984
VP SRI Mid Cap Growth   28.204740   -3.42%   -1.21%   3.05%   22.71%   -4.85%   -0.68%   -2.83%*
  07/16/1991
VP SRI Strategic   19.084388   -2.39%   0.35%   -5.49%   5.29%   -7.91%   0.89%   -7.19%*
  11/01/1999

 Deutsche Invstmt Mgmt Americas Inc (DWS)
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   10.141842   -1.75%   0.57%   0.09%   15.42%   -6.30%   1.64%   7.77%*
  05/01/1996
Global Thematic VIP A   8.060000   -0.69%   5.94%   -1.87%   10.43%   -10.61%   1.37%   1.42%*
  05/01/1998

 Fidelity Management & Research Company
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 Asset Manager SC   21.160101   -0.75%   2.57%   1.55%   11.26%   -0.72%   2.64%   1.05%*
  09/06/1989
VIP Asset Manager: Growth SC   16.610012   -1.25%   2.54%   -0.59%   11.47%   -3.43%   1.37%   -1.19%*
  01/03/1997
VIP Contrafund SC   33.899873   -2.21%   0.97%   -2.48%   9.84%   -7.38%   0.33%   1.35%*
  11/03/1997
VIP Equity-Income SC   26.984388   -2.81%   0.26%   -2.97%   7.03%   -11.97%   -2.57%   0.21%*
  11/03/1997
VIP Growth SC   33.577450   -1.85%   -0.05%   -0.90%   11.84%   -10.50%   -1.96%   -5.67%*
  11/03/1997
VIP High Income SC   13.659347   0.63%   5.16%   6.96%   17.16%   4.69%   4.98%   2.70%*
  11/03/1997
VIP Investment Grade Bond IC   21.725867   0.96%   3.46%   7.29%   9.86%   6.48%   4.58%   5.38%*
  12/05/1988
VIP Mid Cap IC   27.832573   3.06%   5.61%   8.51%   22.75%   -2.28%   4.07%   6.99%*
  12/28/1998
VIP Overseas SC   22.693475   -0.70%   8.13%   -5.63%   3.63%   -11.18%   -0.07%   -1.36%*
  11/03/1997

 Fred Alger Management 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
Balanced I-2   16.692910   -0.45%   1.88%   0.22%   8.80%   -3.57%   0.48%   -0.13%*
  09/05/1989

 Invesco 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
Global Value Equity I   13.676652   -0.79%   5.89%   -3.02%   4.01%   -12.72%   -3.00%   0.13%*
  01/02/1997
V.I. Dynamics I   12.957318   -2.70%   -0.99%   -1.57%   14.83%   -10.08%   -1.28%   -6.00%*
  08/27/1997
V.I. Global Real Estate I   12.737313   2.21%   11.73%   5.54%   19.61%   -10.46%   0.64%   8.45%*
  03/31/1998
V.I. International Growth I   25.573682   0.27%   8.39%   -1.89%   11.66%   -7.17%   3.67%   0.36%*
  05/05/1993

 Massachusette Financial Services Company
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
New Discovery IC   18.474513   -1.05%   2.22%   4.95%   22.95%   -0.56%   3.39%   -0.69%*
  05/01/1998
Research International IC   10.898007   -0.35%   9.23%   -4.90%   5.24%   -9.49%   1.24%   3.15%
  04/29/2005
Strategic Income IC   16.430639   1.03%   5.27%   7.50%   13.14%   5.52%   4.46%   5.37%*
  06/14/1994
Total Return IC   18.105466   -0.71%   2.38%   0.62%   7.00%   -2.99%   0.80%   2.92%*
  01/03/1995
Utilities IC   40.351262   0.72%   10.30%   1.26%   14.61%   -3.09%   6.53%   4.21%*
  01/03/1995

 Morgan Stanley Investment Mgmt, 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   23.757332   1.20%   12.23%   3.23%   22.18%   -4.36%   10.23%   6.91%*
  10/01/1996
International Magnum I   12.192521   -0.70%   8.20%   -7.19%   3.06%   -11.08%   -0.17%   -0.83%*
  01/02/1997
U.S. Real Estate I   29.076567   1.89%   7.58%   18.47%   43.76%   -6.20%   1.66%   9.72%*
  03/03/1997

 Neuberger Berman Management LLC
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
AMT Regency I   12.653515   -2.23%   1.85%   2.97%   18.28%   -6.64%   -1.83%   4.12%
  08/22/2001

 Pacific Investment Mgmt Co. LLC (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   12.297635   1.00%   3.80%   7.43%   9.75%   9.24%   5.81%   5.33%*
  12/31/1997

 T. Rowe Price Associates, 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
Blue Chip Growth-II   8.895025   -2.23%   -0.88%   -5.09%   8.95%   -7.81%   -0.86%   0.80%
  04/30/2002

 The Dreyfus Corporation
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
MidCap Stock Service   16.984125   -1.71%   0.61%   3.65%   18.14%   -7.38%   -2.06%   0.88%*
  05/01/1998

 Third Avenue Management LLC
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   24.044805   -0.84%   5.19%   -4.49%   9.65%   -10.14%   -2.54%   5.79%*
  09/14/1999

 Calvert Asset Management, 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
VP Money Market   1.240396   -0.06%   -0.19%   -0.51%   -0.67%   0.93%   2.07%   1.73%*
  10/29/1999


Current earnings for this portfolio are more closely reflected in the yield, quoted below, than the total return quoted above.
Calvert VP Money Market: as of date shown above 7-Day Yield -0.81%, effective yield -0.81%
Ameritas Fixed Account current rate 3.85%
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.


* 10-year figure
** Returns are cumulative, not average annual

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, monthly administrative, or surrender 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. Yields shown are "annualized" yields. This means 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.

Inception date is the date the underlying portfolio was established. 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.

The performance data quoted represents past performance. Past performance is no guarantee of future results. The return and principal value of an investment will fluctuate so that an investor's policy, when redeemed, may be worth more or less than the original cost. Current performance may be lower or higher than performance data quoted.

Please Note: The following footnotes may not apply to all products.

Risks of Certain Kinds of Portfolios
Investment options are subject to market risk, which is the possibility that the market values of securities owned by the portfolio will decline and that the value of portfolio shares may therefore be less than what you paid for them. Accordingly, you can lose money investing in any investment option. Please be aware that some portfolios are subject to additional risks, which may include those listed below. 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.

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.

High Yield Risk. Investment options that may invest up to 100% of net assets in lower rated bonds, commonly known as "junk bonds," entail greater risk than those portfolios that invest in higher rated securities.

International/Global/Emerging Markets Risk. International and global investment options involve risks associated with changes in currency values, economic, political and social uncertainty and market price swings. International and global portfolios may exhibit greater volatility of returns in the short-term. Risks that may be associated with investments in emerging markets include illiquidity and volatility.

Leveraged Risk. Investment options that borrow money to leverage involve more risk than portfolios that do not borrow money because the cost of borrowing money could exceed the returns for securities purchased or the securities purchased may go down in value.

Nondiversified Risk. Investment options that often invest in a more limited number of issuers involve more risk than portfolios that invest in a larger number of issuers because changes in the financial condition or market value of a single issuer may cause great volatility.

Sector Concentration Risk. Investment options that are at times more heavily invested in certain economic sectors may have more volatile performance than that of more broad-based portfolios.

Small Company Risk. Small company stocks, as a whole, may experience larger price fluctuations than large company stocks or other types of investments. Small companies tend to have shorter operating histories and may have less experienced management.

Additional Information
Franklin Templeton Variable Insurance Products Trust portfolios are generally sold only to insurance company separate accounts as investment options for variable insurance products.

The Calvert VP EAFE International Index portfolio is not sponsored, endorsed, sold or promoted by Morgan Stanley Capital International, Inc. (MSCI) or any affiliate of MSCI and MSCI makes no representation regarding the advisability of investing in the portfolio.

“Nasdaq” and related marks are trademarks or service marks of The Nasdaq Stock Market, Inc. and have been licensed for use for certain purposes by Calvert Group, Ltd. and the Nasdaq–100® Index Portfolio. The Nasdaq–100® Index is composed and calculated by Nasdaq without regard to Calvert Asset Management Company, Inc. Nasdaq makes no warranty, express or implied, and bears no liability with respect to the Calvert VP Nasdaq 100 Index Portfolio.

The “Russell 2000 Index” is a trademark/service mark of the Frank Russell Company. Russell is a trademark of the Frank Russell Company. Calvert Asset Management Company, Inc. and the Calvert VP Russell 2000 Small Cap Index Portfolio are not promoted, sponsored or endorsed by, nor in any way affiliated with Frank Russell Company. Frank Russell Company is not responsible for and makes no representation or warranty, express or implied, as to its accuracy, or completeness, or otherwise.

“S&P 500®” and “S&P MidCap 400 Index” are trademarks of McGraw-Hill, Inc. The Calvert VP S&P MidCap 400 and S&P 500 Index Portfolios are not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representation regarding the advisability of investing in the portfolios.

The Fixed Account is backed by the claims-paying ability of the insurance company issuing the policy.

Calvert Asset Management Company, Inc. (Calvert) is the advisor of the Calvert Variable Products (Calvert VP) portfolios. Calvert is an affiliate of Ameritas Life Insurance Corp. Each company is solely responsible for its own financial condition and contractual obligations.

Variable products are issued by Ameritas Life Insurance Corp. and underwritten by affiliate Ameritas Investment Corp. They include risk of loss, including principal. Before investing, carefully consider the investment objectives, risks, charges and 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.


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