Investment Option Performance
Non-Standardized 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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Performance by Fund Manager

Month End Fund Performance

Standardized Returns

Historical Fund Numbers

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 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 Asset Manager IC   32.651872   -0.94%   7.69%   25.27%   33.67%   0.49%   2.25%   1.01%*
  09/06/1989
VIP Asset Manager: Growth IC   20.622605   -1.67%   9.28%   28.00%   39.28%   -1.16%   1.19%   -1.01%*
  01/03/1995
VIP Contrafund IC   36.203222   -2.52%   9.07%   29.36%   46.71%   -4.99%   2.51%   1.89%*
  01/03/1995
VIP Equity-Income IC   46.940673   -1.78%   9.38%   27.15%   46.53%   -9.64%   -1.43%   0.29%*
  10/09/1986
VIP Growth IC   48.603572   -1.86%   8.64%   21.89%   33.95%   -7.74%   -1.99%   -4.48%*
  10/09/1986
VIP High Income IC   30.961745   0.80%   6.65%   37.77%   38.06%   1.67%   3.12%   0.89%*
  09/19/1985
VIP Investment Grade Bond IC   27.220739   1.13%   3.66%   15.06%   18.71%   4.24%   3.41%   4.85%*
  12/05/1988
VIP Mid Cap SC2   24.821059   -1.64%   11.66%   36.73%   58.64%   -2.16%   4.80%   8.75%
  01/12/2000
VIP Overseas IC   27.880908   -2.84%   10.08%   24.04%   44.28%   -5.56%   2.81%   -0.37%*
  01/28/1987

 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
American Balanced O   30.186177   0.08%   7.87%   26.40%   36.49%   -1.61%   1.54%   0.68%*
  09/05/1989
Ameritas MidCap Growth   43.549403   -3.49%   9.93%   44.85%   72.79%   -6.07%   0.36%   2.03%*
  11/01/1999

 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 Strategic Income IC   17.699117   1.04%   5.71%   22.50%   26.53%   3.14%   3.09%   4.31%*
  06/14/1994
VIT New Discovery IC   15.963444   -4.42%   9.31%   51.41%   93.52%   -3.00%   2.39%   0.86%*
  05/01/1998
VIT Utilities IC   46.357240   -2.48%   7.28%   24.97%   37.78%   0.37%   9.08%   4.96%*
  01/03/1995

 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   22.130521   -0.41%   16.36%   64.88%   99.55%   2.40%   13.63%   6.93%*
  10/01/1996
Global Value Equity I   14.301683   -2.56%   6.88%   12.97%   27.34%   -9.97%   -1.74%   0.50%*
  01/02/1997
International Magnum I   12.759793   -1.56%   10.56%   30.03%   53.84%   -5.33%   2.91%   -0.40%*
  01/02/1997
U.S. Real Estate I   23.461989   0.84%   15.17%   19.06%   61.87%   -14.25%   0.42%   9.06%*
  03/03/1997

 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. Global Real Estate I   11.769164   -2.41%   11.02%   26.49%   59.86%   -11.37%   2.08%   9.88%*
  03/31/1998

 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
S&P 500 Index   72.565222   -0.18%   9.98%   22.20%   37.14%   -7.20%   -0.79%   -2.42%*
  12/29/1995
Zenith   61.042077   -0.46%   9.86%   22.60%   39.44%   -8.88%   -0.39%   3.22%*
  08/15/1984

 Eagle 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
Ameritas Small Capitalization   35.817608   -4.34%   8.29%   23.94%   46.06%   -5.16%   1.57%   -5.90%*
  11/01/1999

 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   11.483927   0.93%   3.38%   13.24%   15.11%   4.18%   1.20%   0.97%*
  12/31/1997

 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   18.812253   0.14%   8.63%   37.69%   57.95%   -4.73%   2.97%   -4.57%*
  11/01/1999

 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   1.970792   -1.07%   6.77%   21.72%   27.88%   -5.58%   -0.78%   -0.74%*
  09/02/1986
Social International Equity   17.317901   -4.66%   6.21%   20.04%   40.16%   -12.57%   -1.58%   -2.88%*
  06/30/1992
Social Mid Cap Growth   25.041149   -2.89%   11.92%   23.32%   40.19%   -6.11%   -1.84%   -1.58%*
  07/16/1991
Ameritas Money Market   1.943159   -0.08%   -0.21%   -0.27%   -0.16%   1.86%   2.08%   1.86%*
  10/29/1999


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.
Ameritas Money Market: as of date shown above 7-Day Yield -0.95%, effective yield -0.95%


* 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.

Non-standardized Performance Data
Non-standardized average annual total return for a specific period is calculated by taking a hypothetical $1,000 investment in a subaccount at the offering on the first day of the period ("initial investment"), and computing the ending redeemable value ("redeemable value") of that investment at the end of the period. The redeemable value is then divided by the initial investment and expressed as a percentage. Where a subaccount has less than 10 years of performance data, the non-standardized average annual total returns are shown for periods beginning on the inception date of the subaccount's underlying series fund portfolio.

Non-standardized performance returns are then annualized and reflect charges levied upon policy separate account assets only. Thus, like standardized performance returns, the non-standardized returns reflect fund company expenses, the current policy mortality and expense charge, and the current percentage administrative expense risk charge. Unlike standardized total returns, the non-standardized returns do not reflect any withdrawal charges (because the policy is assumed to continue), any policy fee or other charges not levied solely upon the separate account. For these reasons, non-standardized total returns for a subaccount are usually higher than standardized total returns for a subaccount. Some portfolio advisors have agreed to limit their expenses; without these limits, performance would have been lower. 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. See the prospectus for detailed information about policy charges, including maximum charges and fund expenses.

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