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Fidelity^®Variable Insurance Products

Fidelity Investments is one of the world's largest providers of financial services, with assets under administration $3.2 trillion, including assets under management of $1.5 trillion as of December 31, 2010 and has over 80 million shareholder accounts. Fidelity offers investment management, retirement planning, brokerage, and human resources and benefits outsourcing services to 24 million individuals and institutions as well as through 5,500 financial intermediary firms. The firm is the largest mutual fund company in the United States, the No. 1 provider of workplace retirement savings plans, the largest mutual fund supermarket and a leading online brokerage firm.

Investment Option Firm/ Funds Fidelity^®VIP Initial Class	Asset Category	Risk Ranking	Objective/Primary Investments
Investment Grade Bond	Investment Grade Bond	1 2 3 4 5	Seeks a high level of current income as is consistent with the preservation of capital by investing in investment grade intermediate fixed-income obligations.
Equity-Income	Large Cap Value	1 2 3 4 5	Seeks reasonable income. The fund will also consider the potential for capital appreciation. The funds' goal is to achieve a yield which exceeds the composite yield on the securities comprising the S&P 500^® Index.
High Income	High Yield Bond	1 2 3 4 5	Seeks a high level of current income, while also considering growth of capital by investing in lower-rated, income producing debt securities.¹
Contrafund^®	Large Cap Blend	1 2 3 4 5	Seeks long-term capital appreciation by investing the fund's assets primarily in common stocks of companies whose value is believed to be not fully recognized by the public.
Mid Cap	Mid-Cap Growth	1 2 3 4 5	Seeks long-term capital growth by investing in securities of companies with medium market capitalization.²
Overseas	Large Cap International	1 2 3 4 5	Seeks long-term capital growth by investing in foreign securities.³
Strategic Income	Multi Sector Bond	1 2 3 4 5	Seeks a high level of current income. The fund may also seek capital appreciation. It allocates assets among four general investment categories; high yield securities, U.S. Government and investment-grade securities, emerging markets securities and foreign developed market securities.^1,3

Information on the risk ranking of investment options is provided by Ameritas Life Insurance Corp.'s Investment Products Group, and is provided as impersonal information, and not as investment advice. The Investment Products Group is not advising you personally concerning the nature, potential, value or suitability of any particular investment option. The provision of a risk ranking does not constitute a recommendation that any particular investment option is suitable for any specific person. Risk rankings are prepared from sources believed to be reliable, but the sources are not guaranteed and may not be accurate. Please consult with your own advisers concerning the advisability of selecting particular investment options within your policy. Risk rankings range from “1” (lower risk and lower reward potential) to “5” (higher risk and higher reward potential).

¹High yield bonds have a higher risk that the issuer of the bond will default on payments of principal and interest.

²Mid capitalization stocks have historically exhibited more volatility than larger-capitalization stocks.

³Foreign securities, foreign currencies and securities issued by U.S. entities with substantial foreign operations can involve additional risk relating to political, economic or regulatory conditions in foreign countries and these risks are greater in emerging markets. These risks include fluctuations in foreign currencies; withholding or other taxes; trading, settlement, custodial and other operational risks; and the less stringent investor protection and disclosure standards of some foreign markets.

Ameritas Advisor VUL (form 4051) is issued by Ameritas Life Insurance Corp. and underwritten by affiliate Ameritas Investment Corp. Product available in most states.

Variable products have investment risk, including the possible loss of principal. Before investing, carefully consider the investment objectives, risks, charges, 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.

AD-VULW 004 Rev. 5-09