Smart planning involves providing for your loved ones if something should happen and saving for your future dreams. Both goals are important but too often you're forced to choose. With OVATION! you may be able to accomplish both goals with one product and tailor it to fit your needs.

Protection
OVATION! provides valuable death benefit protection for your family, business associates, or other beneficiaries. When you die, OVATION can provide the money your beneficiaries need—just when they need it most.

Accumulation Potential
OVATION! provides the opportunity to invest money in variable investment options managed by some of the top names in the mutual fund industry. Investing does involve the chance for loss, including principal. Any money you withdraw could reduce your policy's death benefit and excessive withdrawals could cause the policy to lapse. But you can use any money you accumulate for supplemental retirement income, for college funding, or for any other financial goals. Plus, the tax advantages of life insurance including tax-deferred growth, tax-free income, and tax-free transfers can make OVATION! an effective place to invest.

Surrender charges may apply. The amount and duration of the surrender charges vary by the insured's sex, issue age, risk and rate class, specified amount, the amount of any increase in the specified amount, and the length of time the policy is in force.

Personalization
Not everyone needs the same benefits from a life insurance policy. With OVATION! you have the ability to select the features you need to help accomplish the goals that are important to you. Whether you're concerned about additional guarantees or additional protection, OVATION!'s riders can help meet your goals. (Riders are optional, have additional costs and may not be available to all policyholders.)

Getting Started
OVATION! is designed as a long-term investment for people up to age 90 with a minimum death benefit of $50,000. The cost of your insurance coverage is calculated based on the insured's age, underwriting class and other factors. In addition to the cost of insurance, there is  an administrative charge of $7.50 per month ($9 maximum). There is also a  charge deducted from your investment options daily at a current annual rate of 0.70% (0.90% maximum) for policy years 1-15 and 0.10% (0.90% maximum) thereafter. In addition, each investment option has its own expenses. The only way to know the complete cost of your policy is to receive an illustration from your financial professional who can help you decide if OVATION! is right for you.

OVERTURE OVATION! (Form 4022) is a variable universal life insurance policy issued by Ameritas Life Insurance Corp. and underwritten by its affiliate Ameritas Investment Corp. It is subject to investment risk, including possible loss of principal. Before investing, carefully consider the investment objectives, risks, charges and 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. You can obtain copies on this website or by calling 800-745-1112.. Read the prospectuses carefully before investing.

It is possible that coverage may not continue to the maturity date if policy costs reach maximum guaranteed levels, and premiums continue to be paid at the initial planned premium level.

Available in most states.