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Legal Information and Terms of Use

Please carefully read this notice before you use this web site. This web site is provided by Ameritas Life Insurance Corp. (Ameritas Life) and may be used for informational purposes only. By using this web site, or downloading materials from it, you agree to abide by the following terms and conditions. If you do not agree with the following conditions of use, please exit this web site.

Your Acceptance of Terms
By linking, referencing, using or accessing web sites of Ameritas Life and its affiliates and subsidiaries, you agree to these Terms of Use, including agreeing to indemnify and hold harmless Ameritas Life from all claims of any nature. These Terms of Use may be changed at any time at the sole discretion of Ameritas Life.

Product Issuers and Distributors
Ameritas Life and its affiliates and subsidiaries is a diversified group of insurance and financial services companies providing a variety of products and services. Life insurance and annuities are issued by Ameritas Life Insurance Corp., and Acacia Life Insurance Company in most states, except New York. The Union Central Life Insurance Company issues life insurance and annuities in all states, including New York. Group dental, eye care and hearing care insurance products are issued by ALIC in all states, except New York. Certain life insurance, group dental, vision and hearing care insurance products sold in New York are issued by Ameritas Life Insurance Corp. of New York. Variable products are underwritten by Ameritas Investment Corp (AIC), member FINRA/SIPC. Investment products are available through AIC. Calvert mutual funds are underwritten and distributed by Calvert Distributors Inc., member FINRA, a subsidiary of Calvert Group, Ltd. Investment advisory services are available through Summit Investment Advisors, Inc. and AIC. Banking products are available from Acacia Federal Savings Bank, member FDIC.

Privacy
All personal information is subject to the Privacy Policies of Ameritas Life. The Privacy Notices summarizing the policies may be accessed by clicking on the Privacy Policy link at the top of any page.

No Legal or Investment Advice; Calculators/calculations
Content found on Ameritas Life and its affiliates web sites should not be construed to be legal or investment advice. Users are responsible for obtaining their own competent legal and investment advice from qualified professionals at their own expense. Retirement and/or financial calculators/calculations which may be provided within these web sites are provided solely for you to estimate hypothetical future financial or retirement status. You are responsible for the accuracy of any estimates and should not rely solely on these calculators. Seek advice from qualified providers before you make any investment or retirement decisions.

Products and Services Information
Products and services are offered through Ameritas Life and its affiliates. Not all products and services described are available in all states of the USA, or elsewhere in the world. Mutual funds and other securities products are offered through Ameritas Investment Corp., member FINRA/SIPC. Calvert Group, Ltd. provides mutual funds. Bank products and services are provided by Acacia Federal Savings Bank, FDIC insured. Annuities, insurance, retirement plans, mutual funds and other securities are not insured by the FDIC are not obligations or deposits for Acacia Federal Savings Bank, are not guaranteed by Acacia Federal Savings Bank, and involve risk, including the possible loss of principal invested. The product information contained on this Web site has been prepared for informational purposes only and is not intended to constitute a solicitation or offer for sale. For further information, please contact Ameritas Life or the affiliate offering the product, or your agent or representative through whom the product may be purchased, for detailed information about the product’s benefits, costs, risks and suitability for your specific needs.

Links to Other Web Sites - Limitation of Liability
Ameritas Life may provide, for your convenience and information only, links to other Internet Web sites. Because Ameritas Life does not have control over these sites, you agree that Ameritas Life and its affiliates are not responsible for any liability resulting from the access or use of sites not owned by Ameritas Life and Ameritas Life are not responsible for any content, advertising, product, or any other matter or issue, available through other Internet Web sites, whether linked to, or from, web sites of Ameritas Life and its affiliates. Further, you agree that Ameritas Life shall not be responsible or liable, directly or indirectly, for any damage or loss caused, or alleged to be caused by or in connection with the use of web sites Ameritas Life and its affiliates own.

Indemnification
By linking, referencing, using or accessing web sites of Ameritas Life and its affiliates, you agree to these Terms of Use, including agreeing to defend, indemnify and hold harmless Ameritas Life and its affiliates, their officers, directors, employees, agents, registered representatives, licensors, suppliers and any other third party, without limitation, against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of these "Terms of Use."

This Web Site - Disclaimer of Warranty and Limitation of Liability
USE OF THIS SITE IS ENTIRELY AT YOUR OWN RISK. THE SITE AND MATERIALS ARE PROVIDED "AS IS." TO THE MAXIMUM EXTENT PERMITTED BY LAW, AMERITAS LIFE AND ITS AFFILIATES AND SUBSIDIARIES DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, EVEN IF AMERITAS LIFE AND ITS AFFILIATES AND SUBSIDIARIES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. UNDER NO CIRCUMSTANCES SHALL AMERITAS LIFE AND ITS AFFILIATES AND SUBSIDIARIES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES ARISING FROM VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT HAS CONTAMINATING OR DESTRUCTIVE PROPERTIES OR YOUR REFERENCING, USING, ACCESSING, INABILITY TO USE OR ACCESS OR LINKING TO OR FROM THE WEB SITES OF AMERITAS LIFE AND ITS AFFILIATES AND SUBSIDIARIESOR ANY ERRORS OR OMISSIONS IN THE CONTENT THEREOF. Some jurisdictions may not allow the exclusion of certain warranties or the limitation or exclusion of liability for consequential or incidental damages. If so, the liability of Ameritas Life and its affiliates is limited to the greatest extent permitted by law.

Governing Law; Severability

Copyright and Proprietary Rights in Marks, Logos and Materials
Copyright 2012, Ameritas Life Insurance Corp. Materials and intellectual property found on web sites of Ameritas Life and its affiliates. Companies are protected by copyright and other intellectual property laws and treaties in the United States and worldwide. Trademarks, service marks and logos used on web sites of Ameritas Life and its affiliates are registered and unregistered trademarks, subject to the laws of the United States and other countries worldwide. Trademarks, service marks and logos used on these web sites that have been provided by others are the property of their respective owners. You may not copy, modify, store, transmit, reproduce, or distribute any part of the information or content of or trademarks, service marks or logos used on these web sites without the specific written consent of Ameritas Life or their respective owners. If you would like to link to any Web site of Ameritas Life or an affiliate or use its logos on your site, please contact us at corpcomm@ameritas.com.

Proprietary Marks and Logos
The entire content of this Web site, including all text, graphics, images, photos, video, audio, logos, other material and the arrangement of such content, is owned by Ameritas Life or its affiliates and subsidiaries and is protected by copyright under United States and foreign laws, unless otherwise indicated. Ameritas and the bison symbol is a service mark or registered service mark of Ameritas Life Insurance Corp. Ameritas Life Insurance Corp. of New York is a registered service mark of Ameritas Life Insurance Corp. of New York. Other products and services described on this web site are the marks of Ameritas Life Insurance Corp. unless otherwise indicated.

How to Contact Us
Address inquiries concerning the use of any copyrighted material, trademarks, service marks, or other intellectual property to Ameritas Life Insurance Corp., Law Department, 5900 O Street, Lincoln, NE 68510 USA.

Insurance Companies Licensing Information

Ameritas Life Insurance Corp.
5900 O Street
Lincoln, NE 68510
NAIC #943-61301
Licensed in all states except New York

Ameritas Life Insurance Corp. of New York
1350 Broadway, Suite 2201
New York, New York 10018
NAIC #943-60033
Licensed in the state of New York


Acacia Life Insurance Company
7315 Wisconsin Avenue
Bethesda, Maryland 20814
NAIC #437-60038
Licensed in all states except Alaska, Maine and New York

The Union Central Life Insurance Company
Home Office:
5900 O Street
Lincoln, NE 68510

Administrative Office:
1876 Waycross Road
Cincinnati, Ohio 45240

NAIC #394-80837
Licensed in all states