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Select the products the association is endorsing. Delete the products that are not applicable to this presentation.

Customize the copy.•Update your agent/agency information on the title slide and on the final slide. Also update the product offering discounts on slide 15.

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UN1884 10-14

insurance benefitsavailable to members of (Association Name)

Representative NameAgency Name

agenda

• Insurance benefits you’re entitled to through (Association Name)

• How this program benefits you

• Cost savings provided to members of (Association Name)

• Next steps

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life insurance

• Life insurance is critical to help make sure your member’s family wouldn’t have to make major changes because of a premature death

• If your member is a business owner, life insurance may be able to help them enhance or protect the business they’ve worked so hard to create

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life insurance

Life insurance proceeds can:

• Pay for funeral costs

• Help pay the bills and meet ongoing living expenses

• Pay off outstanding debt, including credit cards and the mortgage

• Continue a family business

• Finance future needs like a child’s education

• Protect a spouse’s retirement plans

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life insurance

• 80% of Americans say that life insurance is something most people need1

• Only 44% own an individually purchased policy2

1Life Happens and LIMRA Insurance Barometer Study, 2014

2LIMRA Household Trends in U.S. Life Insurance Ownership, 2014

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life insurance

Life insurance can protect loved ones when you’re:

• Married or getting married

• A parent or about to become one

• A homeowner

• Retired or planning for retirement

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disability income insurance8

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• Medical problems contributed to 62% of all personal bankruptcies1

• Medical problems contributed to half of all home foreclosure filings2

1The American Journal of Medicine, June 4, 2009 Medical Bankruptcy in the United States, 2007: Results of a National Study; David U. Himmelstein, MD, Deborah Thorne, PhD, Elizabeth Warren, JD, Steffie Woolhandler, MD, MPH

2Get Sick, Get Out: The Medical Causes of Home Mortgage Foreclosures; Christopher Tarver Robertson, Richard Egelhof, & Michael Hoke; August 8, 2008

disability income insurance9

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Chances Out of 1,000 that at Least One Long-Term (90-day) Disability Will Occur Before Age 65

GenRe Disability Fact Book, seventh edition, 2013

disability income insurance10

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How long do wage earners estimate they can continue to pay bills if they lose their income?

The Disability Divide, CDA 2010 Consumer Disability Awareness Study

1 year or more

Less than 1 month1 to 3 months

3 months to 1 year

Disability income insurance11

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Example

• Group disability provides 60% of your basic earnings

• In most circumstances, you will pay income tax on this amount

• At a 25% tax rate, you will receive 45% of this benefit after taxes

•If Social Security were to pay a disability benefit, that amount will reduce your employer benefit by the same amount, resulting in no additional benefit

Could you manage on 45% of your income?Representatives of Ameritas do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.

retirement plans

Possible sources of retirement income:

• Social Security

• Pension/Retirement Plan

• Employment

• Interest and Dividends

• Annuities

• Savings

“The Retirement Income Source Book,” LIMRA, 2011

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retirement plans

• Nearly 45% of Americans ages 36 - 55 years old are not expected to have enough money to cover basic living expenses like food, utilities and health care through retirement

• Retirees in the US, on average, expect their savings to last only 14 years2

12012 Retirement Confidence Survey, Employee Benefit Research Institute.

2http://www.hsbc.com/retirement

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retirement plans

Will your savings last?

• Plan for the effects of inflation

• Plan for healthcare expenses

• What about Social Security?

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retirement plans

A retirement savings plan is essential for small business owners:

•Provides a way for owners and their employees to save for retirement

•Can be a valuable tool to recruit and retain employees

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retirement plans

• Tax-deferred growth

• Investment choices to accommodate all investment goals

• Guaranteed investment account

• Target date retirement funds

Guarantees are based on the claims paying ability of the issuing company.

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insurance benefits program17

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• Quality products

• Highly rated company

• Professionally trained representative

• Meaningful discounts

o Life insurance: waiver of the premium charge*

o Disability income insurance: 15% discount

o Retirement plans: plans and discounts will be tailored to your needs

*The Premium Charge is a percentage of each premium that we charge and varies by policy form. Our representative can provide you with an illustration showing the discounted premium.

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insurance benefits program18

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Standard & Poor’s

• A+ (Strong) for insurer financial strength

• This is the fifth highest of Standard & Poor’s 21 ratings

A.M. Best Company

• A (Excellent) for financial strength and operating performance

• This is the third highest of A.M. Best’s 15 ratings

next steps

• Set up a meeting date

• Fill out a fact finder to determine needs

• Evaluate options

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Representative Name

Agency Name

Phone

Email

(Agency name) is not an affiliate of Ameritas.

This information is provided by Ameritas®, which is a marketing name for subsidiaries of Ameritas Mutual Holding Company, including, but not limited to, Ameritas Life Insurance Corp., Ameritas Life Insurance Corp. of New York and Ameritas Investment Corp., member FINRA/SIPC. Ameritas Life Insurance Corp. is not licensed in New York. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com. Ameritas® is a registered service mark of Ameritas Life Insurance Corp.

© 2014 Ameritas Mutual Holding Company, 5900 O Street, Lincoln, NE 68510