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Excel Secondary Guarantee Survivor Universal Life
Excel Secondary Guarantee Survivor Universal Life (SUL) insurance policy can offer you death benefit protection at the death of the surviving spouse, and additional features to help you adapt to a lifetime of changes. It provides all the benefits of survivor universal life insurance and guaranteed death benefit when policy requirements are met – even in times of low interest rates. Guarantees are backed by the claims paying ability of Ameritas Life Insurance Corp.

Protection
Excel Secondary Guarantee SUL can provide affordable protection for your family or business and the death benefit is payable to beneficiaries tax free. With its Lapse Protection Benefit, your Excel Secondary Guarantee SUL policy will remain in force, provided premiums are paid as illustrated, even if interest rates decline. You can structure your policy to maintain the Lapse Protection Benefit from a few years to lifetime. This ensures that your death benefit is guaranteed for the period of time you choose.

Custom Options
Excel Secondary Guarantee SUL offers several options so you can tailor the policy to meet your needs. From sophisticated business solutions to simple additional coverage choices, Excel Secondary Guarantee SUL can be customized to your individual circumstances.

Getting Started
Your representative can provide more information and can assist you in obtaining survivor universal life insurance to help meet your needs.

Excel Secondary Guarantee Survivor Universal Life insurance (Form 3365) is issued by Ameritas Life Insurance Corp. in all states except New York.

It is important to note that taxation may occur if the policy lapses or is surrendered with loans outstanding. Loans and withdrawals reduce the death benefit and cash surrender value. Policyowners may receive more or less than the amount originally paid.

Rev. 6/6/2008

VARW252