Ameritas Direct The No-Load Insurance Pioneer

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MFS® Variable Insurance Trust

MFS^® Investment Management (MFS) is a premier asset management firm that offers mutual funds, institutional and separately managed account strategies in equity and fixed-income products, which are supported by a global team of portfolio managers and research analysts. MFS traces its origins to 1924 and the creation of the United States' first open-end mutual fund, Massachusetts Investors Trust. Over time, MFS has been a leading innovator in the asset management industry, including creating the first in-house research departments in the mutual fund industry in 1932, launching the first high-yield municipal bond fund and the first global balanced fund, and more recently creating "outcome-oriented" products, such as its line of target-risk, target-date, and other asset allocation funds. Assets under management as of January 31, 2010: $184.1 billion.

Investment Option Firm/Funds MFS^® VIT Initial Class	Asset Category	Risk/Reward Potential	Objective/Primary Investments
Research International	Large Cap International	1 2 3 4 5	Seeks capital appreciation. A core international stock portfolio designed to be broadly diversified by sector with the flexibility to invest across regions, industries, styles and market capitalizations.¹
Utilities	Utilities	1 2 3 4 5	Seeks total return. The series focuses on utilities stocks believed to have strong growth prospects. These stocks generally come from the gas and electric utilities, telecommunications and cable TV industries.²

Information on the risk ranking of investment options is provided by the UNIFI Investment Products Group (an affiliate 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).

¹Foreign 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.

²A portfolio that concentrates its investments in one economic sector or geographic region faces the risk of higher share-price volatility.

Ameritas No-Load Variable Annuity (Form 6150) is issued by Ameritas Life Insurance Corp. and underwritten by affiliate Ameritas Investment Corp. Product not available in NY.

Variable annuities are suitable for long-term investing, particularly for retirement, and are subject to investment risk, including 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 prospectus and investment option prospectuses available on this website or by calling 800-555-0955. Read the prospectuses carefully before investing.

ADVAW 003 Rev. 5-08