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DWS Investments

DWS Investments is the US retail brand name of Deutsche Asset Management (DeAM), the global asset management division of Deutsche Bank. With more than US $655 billion in assets under management globally (as of 12/31/08), DeAM is one of the world’s largest and most trusted asset managers. With a strong commitment to superior performance, innovation and leadership in intellectual capital, DWS Investments offers a comprehensive and diverse family of products available through financial intermediaries and retirement plans. Through DWS Investments portfolio management, investors can tap into DeAM's far-reaching global research organization of more than 900 investment professionals (as of 12/31/08), who manage equity, fixed-income, balanced, cash, real estate and hedge fund investments around the world.

Investment Option Firm/Fund DWS VS I Class A	Asset Category	Risk Ranking	Objective/Primary Investments
Health Care VIP	Specialty	1 2 3 4 5	The portfolio seeks long-term growth of captial investing, under normal circumstances, at least 80% of total assets in common stocks of companies in the health care sector.¹

Investment Option Firm/Funds DWS VS II Class A	Asset Category	Risk Ranking	Objective/Primary Investments
Dreman Small Mid Value VIP	Small Cap Blend	1 2 3 4 5	The portfolio seeks long-term capital appreciation. Under normal circumstances, the portfolio invests at least 80% of net assets in undervalued common stocks of small U.S. companies.²
Global Thematic VIP	World Stock	1 2 3 4 5	The portfolio seeks long-term capital growth. Under normal circumstances, the portfolio invests at least 80% of net assets in common stocks and other equities of companies throughout the world that portfolio management consider "blue chip" companies.³

Information on the risk ranking of investment options is provided by the UNIFI Investment Products Group (a part of Ameritas Life Insurance Corp.), 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).

¹A portfolio that concentrates its investments in one economic sector or geographic region faces the risk of higher share-prices volatility.

²Small 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. These risks include fluctuations in foreign currencies; withholding or other taxes; trading, settlement, custodial and other operation risk; 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