UNIFI Companies. Permanent Life Product Portfolio. For Producer or Broker/Dealer use only. Not for use with clients. LI /07

Transcription

1 UNIFI Companies Permanent Life Product Portfolio LI /07 For Producer or Broker/Dealer use only. Not for use with clients.

2 UNIFI Companies Permanent Life Product Portfolio Policy Name Issuing Company Product Type Underwriting Classification Issue Ages* Age As Of Minimum Face Amount Maturity Age Death Benefit Options or ( Dividend Options) Acacian 2000 (Form ) Acacia Paid Up at Age 65 Preferred Nontobacco (P) All cases issued on a unisex basis ALB $50,000 Minimum annual premium: $2,500 Age 100 Paid up Additions Reduce Premium Accumulate at interest Paid in Cash Split Dividend (Cash and Paid-up Additions) Keystone (Form UC 8612) (2001 CSO) Select Nontobacco (SNT) P+, P, SNT, PT NT, T ANB $25,000 NT, T $100,000 P+, P, SNT, PT Paid up Additions Reduce Premium Buy One Year Term Buy One Year Term Equal to Cash Value Reduce Loan Accumulate at Interest Paid in Cash 98 (Form UC 8609) Select Nontobacco (SNT) 0-19 Juvenile P+, P, SNT, PT NT, T ANB $25,000 NT, T $100,000 P+, P, SNT, PT (base and term) Age 100 Paid up Additions Reduce Premium Buy One Year Term Buy One Year Term Equal to Cash Value Reduce Loan Accumulate at Interest Paid in Cash Excel Protector (Form UC 8706) Current Assumption UL P P, PT NT, T $100,000 P+, P, PT $250,000 with Supplemental Coverage Rider Excel Provider (Form UC 8708) Excel Survivor (Form UC 8702) No-Lapse Guarantee UL Second-to-Die Current Assumption SUL Uninsurable (U) P all other P (Ind) NT, T (Ind) Joint equal age may not exceed 85 $100,000 P+, P, PT ANB $100,000 Age 100 younger insured with the option to extend Flex Account Ultra (Form 7016 flexible premium and Form 7018 single premium) Acacia Current Assumption UL Preferred Nontobacco (P) 0-20 T P, NT, T ALB $25,000 $100,000 P (base) Indexed Universal Excel Index UL (Form UC 8709) Indexed UL (2001 CSO) Select Nontobacco (SNT) P P, SNT, PT NT, T $100,000 P+, P, SNT, PT $250,000 with Supplemental Coverage Rider Excel Accumulator (Form UC 8707) VUL All other $100,000 P+, P $250,000 with Supplemental Coverage Rider Variable OVERTURE BRAVO! (Form 4065) OVERTURE OVATION! (Form 4022) Ameritas Variable Survivor VUL (1980 CSO Ameritas Variable VUL Uninsurable (U) One insured must be 85 or younger 0-90 $100,000 P ALB $100,000 Option B: Face amount plus accumulation value Option B: Face amount plus accumulation value Protector hvul (Form 4101) Ameritas Variable Hybrid VUL (2001 CSO) Standard ANB $100,000 Option D: Face amount plus separate account * May vary by state.

3 Interest Crediting Method Guaranteed Interest Rate Premium Charges M&E Expenses Administrative Fees/Policy Fee Surrender Charges/Period Loan Interest Preferred Loan Interest Portfolio 4.00% Yrs 1-20: 8.00% Yrs 20+ or when paid up, 6.50% Portfolio 4.00% $75.00 Annual $38.50 Semi-annual $19.50 Quarterly $6.50 Check-o-matic Variable loan rate: 6.50% Years 10+: Net loan cost 0.50% Portfolio 4.50% $75.00 Annual $38.50 Semi-annual $19.50 Quarterly $6.50 Check-o-matic Variable loan rate: 6.50% Years 10+: Net loan cost 0.50% New Money 3.00% 5.00% all years $7.00/month all years plus policy load per $1,000 specified amount in year % earning 5.20% New Money 3.00% 5.00% all years New Money 4.00% 2.00% all years 5.00% maximum $7.00/month all years plus policy load per $1,000 specified amount $5.00/month all years plus policy load in years 1-20 $7.00/month and $0.25/$1,000 maximum in year 20 in year % earning 4.20% 6.50% earning 6.10% Portfolio 4.00% 4.25% all years, current and maximum $2.50/ month first 20 years, $0 thereafter (max $9 all years), plus per $1,000 of face amount charge guaranteed to remain level for 5 years and drop to $0 for face amounts of $100,000 or more in year 16 Yrs. 1-5: 5.95% earning 4% Yrs 5+: net 0% guaranteed Indexed Universal Participates in a portion of the gains in the S&P 500 Index (without dividends) every 12 months 2.00% 5.00% all years $7.00/month all years plus policy load per $1,000 specified amount in year 13 Yrs. 1-5: 3.38% in advance (equivalent to 3.50% in arrears) earning 2.50% Yrs 6+: 2.44% in advance (equivalent to 2.50% in arrears) earning 2.50% Guaranteed Account: New Money Separate Accounts: 3.00% 4.00% all years Yrs. 1-10: 0.75% Yrs. 11+: 0.25% $7.00/month face amounts less than $250,000 $5.00/month face amounts of $250,000 or more in year 11 Yrs. 1-10: 4.50% earning 3.00% Yrs. 11+: net 0.00% maximum Variable 3.50% 3.50% 2.25% all years Yrs. 1-15: 0.90% Yrs. 16+: 0.45% 3.50% all years 5.00% maximum Yrs. 1-15: 0.70% Yrs. 16+: 0.10% Up to $1 million face amount: Yrs. 1-5: $16.00/year Yrs. 6+: $8.00/year $1 million to $499,999,999: Yrs. 1-5: $8.00/year Yrs. 6+: $4.00/year $5 million+: $0 PLUS Yrs 1-5: Per $1,000 charge based on issue age $7.50 plus a charge per $1,000 of specified amount for 20 years from issue or specified amount increase date in year 15 in year 15 Yrs. 1-5: 5.50% earning 3.50%, net 2.00% Yrs. 1-5: 5.50% earning 3.50% Yrs. 5+: net 0.00% Yrs. 5+: net 0.00%, 0.50% maximum 3.00% 5.00% all years Yrs. 1-15: 0.70%, 0.90% maximum Yrs. 16+: 0.45%, 0.65% maximum Deducted from fixed account $7.50/ month, $10.00 maximum, plus a charge per $1,000 of face amount in year 15 Yrs. 1-5: 5.00% (5.50% max.), earning 3.00% Yrs. 5+: net 0.00%, 0.50% maximum For Producer or Broker/Dealer use only. Not for use with clients.

4 Riders Accelerated Benefit One Premium Paid-Up Insurance Waiver of Premium Investment Options/ Systematic Programs State Approvals Notes/Other Policy Name Check our websites for current state approvals: com Acacian 2000 (Form ) Future Purchase Options Future Purchase Options One-Year Term Paid-Up Addition Riders (PURC and PURS) Waiver of Premium One-Year Term Paid-Up Addition Riders (PURC and PURS) Term Paid-up Low (TPL) Waiver of Premium Note: products are not available in WI. Keystone (Form UC 8612) Keystone and 98 are available in NY through affiliate First Ameritas. 98 Products offered (Form UC 8609) by Acacia Life and Ameritas Variable Life are not available in NY. Accounting Benefit Scheduled Increase Excel Protector (Form UC 8706) Maturity Extension One-Year Term Policy Split Option Scheduled Increases Excel Provider (Form UC 8708) Excel Survivor (Form UC 8702) Accelerated Benefit Guaranteed Death Benefit Legacy Asset (accelerated death benefit for chronic or terminal illness) Term Coverage Flex Account Ultra (Form 7016 flexible premium and Form 7018 single premium) Indexed Universal Accounting Benefit Paid-Up Life Insurance Endorsement Scheduled Increase Point-to-point interest calculation Annual lock-in of gains Three interest crediting methods Excel Index UL (Form UC 8709) Accounting Benefit Enhanced Death Benefit Monthly Deductions Endorsement No Lapse Paid-Up Life Insurance Endorsement Scheduled Increase 10 Portfolio Managers 31 Subaccounts plus Fixed Account Asset Pro Asset Allocation Excel Accumulator (Form UC 8707) Variable Disability Benefit First-to-Die Term Policy Split Option Asset Protection Riders (GMAB) Disability Benefit Guaranteed Death Benefit Legacy Asset (accelerated death benefit for chronic or terminal illness) Second-to-Die Term Terminal Illness Paid-Up Life Insurance Endorsement Term Coverage Terminal Illness 15 Portfolio Managers 37 Subaccounts plus Fixed Account Morningstar Asset Allocation 15 Portfolio Managers 37 Subaccounts plus Fixed Account Morningstar Asset Allocation Guaranteed death benefit to younger insured s age 85 or 10 years, whichever is later OVERTURE BRAVO! (Form 4065) OVERTURE OVATION! (Form 4022) Disability Benefit Legacy Asset (accelerated death benefit for chronic or terminal illness) Lifetime Guaranteed Death Terminal Illness 13 Portfolio Managers 31 Subaccounts plus Fixed Account Morningstar Asset Allocation Protector hvul (Form 4101)

5 Flex-Account Ultra (Form 7016 and 7018) and Acacian 2000 (Form ) are issued by Acacia Life Insurance Company. Variable life insurance, OVERTURE OVATION! (Form 4022), Protector hvul SM (Form 4101) and OVERTURE BRAVO! (Form 4065) are issued by Ameritas Variable Life Insurance Company and underwritten by affiliate, Ameritas Investment Corp. Keystone Insurance (Form UC 8612), Excel Index UL (Form UC 8709), Excel Provider UL (Form UC 8708), 98 (Form UC 8609), Excel Survivor UL (Form UC 8702) and Excel Protector UL (Form UC 8706) are issued by The Life Insurance Company. Variable life insurance Excel Accumulator VUL (Form UC 8707) is issued by The Life Insurance Company and underwritten by affiliate, Ameritas Investment Corp. Variable products are subject to investment risk, including possible loss of 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. You can obtain copies from Ameritas Investment Corp. Read the prospectuses carefully before investing. Products and riders may not be available in all states. Optional provisions and riders may have limitations, restrictions and additional charges. Policy guarantees are based upon the claims paying ability of the issuer. Morningstar Associates LLC, has provided information for use by Ameritas and its representatives. Neither Morningstar Associates nor Morningstar Inc. is acting as an investment adviser with respect to the Asset Allocation tool or creation of the asset allocation models. Ameritas Investment Corp. is the investment adviser for the sole purpose of providing the models. Neither Morningstar Associates nor Morningstar Inc. is affiliated with Ameritas. Standard & Poor s, S&P, S&P 500, Standard & Poor s 500 and 500 are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by The Life Insurance Company. Excel Index UL is not sponsored, endorsed, sold or promoted by Standard & Poor s and Standard & Poor s makes no representation regarding the advisability of purchasing the product. Securities offered through Ameritas Investment Corp. member NASD/SIPC.

6 UNIFI Companies SM Ameritas Life, Acacia Life, Life and affiliated companies For additional product information, call Product Marketing at About The UNIFI Companies Ameritas Life Insurance Corp., Acacia Life Insurance Company and The Union Central Life Insurance Company have joined forces under the UNIFI Companies umbrella. These life insurance companies and their affiliates offer a wide range of insurance and financial products and services to individuals, families and businesses. Products and services include life insurance, annuities, individual disability insurance, retirement plans and investment products, group dental and eye care insurance, mutual funds, banking, worksite benefits and public finance. UNIFI s financial strength and stability are reflected in strong financial ratings from independent analysts and a proud history dating from The UNIFI organization is built on traditional values, high ethical standards and trusted relationships. For more information, visit the UNIFI Companies web site at UNIFI Mutual Holding Company