Some optional benefits were available to be elected at Policy issue only. Optional benefit riders to the Policy may have separate incontestability provisions. Withdrawals reduce the Account Value and in some cases the Specified Amount which may reduce some of the benefits available under riders where the rider benefit is based on the Specified Amount of the base Policy, and make it potentially more likely the entire Policy, including the rider, would lapse. Systematic Transfer Programs such as Dollar Cost Averaging, Portfolio Rebalancing, and Earnings Sweep are also available. You may obtain a loan secured by the Cash Surrender Value of your Policy. Any loan transaction will permanently affect your Account Value. A Policy Loan, whether or not repaid, will affect the Cash Surrender Value of your Policy over time. If the Policy Owner elects to pay the Advisory Fees from the Account Value, this will reduce the Account Value and death benefit under the Policy by the same calculation as any other withdrawals, with the exception that the Specified Amount will not be reduced by the amount of these Advisory Fees. In addition, Advisory Fee withdrawals may be subject to federal and state income taxes and may be subject to a 10% federal tax penalty. We may discontinue offering, or modify the terms of, optional benefits for new sales at any time.

We and/or an affiliate may pay cash compensation from our own resources pursuant to marketing and education arrangements we have in place with broker-dealers and their marketing organizations. We do not pay commissions to these broker-dealers pursuant to a selling agreement.

Your representative may receive compensation relating to our sale of this Policy to you, both in the form of compensation and additional cash benefits (e.g., bonuses), and non-cash compensation. This conflict of interest provides a financial incentive that may influence your representative to recommend this Policy over another investment for which the representative is not compensated or compensated less.

The following tables describe the fees and expenses that you will pay when buying, owning, and Surrendering or making withdrawals from the Policy. Please refer to your Policy Specifications Page for information about the specific fees you will pay each year based on the options you have elected.

The fees and expenses do not reflect any advisory fees paid to financial professionals from the Account Value or other assets owned by the Policy Owner; if those charges were reflected, the fees and expenses would be higher. The first table describes the fees and expenses that you will pay at the time that you buy the Policy, pay a premium, Surrender or make withdrawals from the Policy, or transfer cash value between Investment Options.

The next table describes the fees and expenses that you will pay periodically during the time that you own the Policy, not including Subaccount portfolio company operating fees and expenses.

Periodic Charges Table Footnotes:

We currently do not assess a separate charge against our Separate Account or Fixed Account for any income taxes. We may, however, make such a charge in the future if income or gains within the Separate Account will incur any income tax liability, or if tax treatment of our Company changes.

Portfolio Company Operating Expenses (for the year ended December 31, 2025, unless noted)

The next table shows the minimum and maximum total operating expenses charged by the portfolio companies, before any waivers or reductions, that you may pay periodically during the time that you own the Policy. Actual fees and expenses for the underlying portfolios vary daily, so expenses for any given day may be greater or less than listed. A complete list of portfolio companies available under the Policy, including their annual expenses, may be found at the back of this document.

Periodic Charges Table Footnotes:

In addition to the standard death benefit(s) associated with your Policy, other standard and/or optional benefits may be available to you. The following table(s) summarize information about those benefits. Information about the fees associated with each benefit included in the table(s) may be found in the FEE TABLE.

ADDITIONAL INFORMATION ON BENEFITS AVAILABLE UNDER THE POLICY

The examples listed below are hypothetical assumptions and illustrations with the purpose of explaining the operation of the benefits. The investment results reflected are not representative of past or future performance. Actual performance results will vary.

Accelerated Death Benefit For Terminal Illness Rider (Standard)

Benefits paid under this rider may be taxable. Some of the benefits provided by this rider are intended to be non-taxable. However, changes to tax law can change the taxability of benefits. We recommend that you contact your tax advisor to assess the impact of these benefits.

We will accelerate the payment of the death benefit for a qualifying event subject to the provisions of this rider. The accelerated payment is referred to as an accelerated death benefit.

The qualifying event covered under this rider is terminal illness. Terminal illness means the Insured has been certified by a physician as having an illness or physical condition which can reasonably be expected to result in death within 12 months after the date of certification. Physician is defined as a doctor of medicine or osteopathy (other than you, your spouse, domestic partner, a member of your family, a business or professional partner, or any person with whom you share a financial or business interest) licensed to practice medicine and surgery in the state in which he or she practices and who is practicing within the scope of such license in the United States.

The minimum and maximum terminal illness accelerated death benefit amounts that we will pay are shown on the policy schedule.

The accelerated death benefit will be paid in a lump sum. The accelerated death benefit will be paid to you or your estate while the Insured is living, unless the death benefit has been otherwise assigned or designated by you. The accelerated death benefit must be requested before the Policy Anniversary on which the Insured attains the maximum acceleration age shown on the policy schedule.

The accelerated death benefit plus any administrative fee plus accrued interest will be a lien against the death benefit proceeds. After an accelerated death benefit has been paid both your access to the Cash Surrender Value and Policy Lapse benefits will be restricted to the excess of the Cash Surrender Value over any Lien Balance. On the date of death, the death benefit proceeds will be reduced by the amount of any Lien Balance and any Loan Balance.

After a request for an accelerated death benefit and upon the payment of an accelerated death benefit, you and any irrevocable Beneficiary will be provided with a benefit statement demonstrating the effect of the accelerated death benefit on the death benefit proceeds, Cash Surrender Value, premium, Policy Loans and Policy Liens.

If the Insured dies before the accelerated death benefit payment is made, then the accelerated death benefit is terminated and the remaining death benefit will be paid pursuant to the policy. If the Insured dies after you request the accelerated death benefit but before the accelerated death benefit payment is received, then the request shall be canceled and the death benefit paid pursuant to the policy.

The accelerated death benefit payment will be first used to repay a portion of any outstanding Loan Balance under the policy. The portion to be repaid will be determined by the product of the Loan Balance and the amount of the accelerated death benefit payment divided by the eligible amount under the policy as of the date the accelerated death benefit is paid. The remaining accelerated death benefit will be paid to you.

Upon the death of the Insured, we will pay at least the residual death benefit shown on the policy schedule, reduced by the amount of any partial withdrawals taken after the first accelerated death benefit request and any Loan Balance.

The eligible amount is the Specified Amount on the base policy at the time of the accelerated death benefit request.

Accelerated death benefits are subject to the following conditions:

After payment of the accelerated death benefit, you are required to pay the premium necessary to keep the base policy and any attached riders in force.

Optional rider benefits under this policy will continue to remain in force subject to the terms and conditions of the policy and riders. Charges for optional riders will be calculated according to the terms of the rider form. Payment of the accelerated death benefits will have no effect upon any Accidental Death Benefit Riders or Children's Insurance Riders.

We will charge interest on the Lien Balance. The interest charged will be accrued daily to the Lien Balance. You may repay any portion of the outstanding Lien Balance at any time before the Insured's death.

The maximum lien interest rate will be the greater of: the current yield on ninety-day treasury bills; or

However, the maximum lien interest rate will never exceed the rate shown on the policy schedule. We have the option of charging less.

The interest rate used on the portion of the Lien Balance that is equal to or less than the amount of the Cash Surrender Value will be no more than the Policy Loan interest rate. Lien interest will not be charged if it would cause the Lien Balance to be greater than the following:

Specified Amount of the base policy; plus

We reserve the right to assess an administrative fee of not more than the maximum administrative fee shown on the policy schedule to process an accelerated death benefit request under this rider. The fee will be added to the lien at the time the accelerated death benefit is paid.

The effective date of this rider is shown on the policy schedule.

If the policy lapses and is reinstated, this rider will automatically be reinstated with the policy. Any Lien Balance that was outstanding at the time the policy lapsed will be reinstated with accrued interest as if the policy had not lapsed.

This rider will end at the earlier of Written Notice from you or termination of the Policy. If the accelerated death benefit is terminated, this shall not prejudice the payment of benefits for any qualifying event that occurred while the form was in force.

Example: An Insured is diagnosed with a terminal illness with a certified life expectancy of 12 months or less. This rider gives the Insured the right to accelerate the lesser of 75% or $1,000,000 of the Specified Amount, plus the administrative fee, which will be held as an interest-accruing lien against the remaining death benefit. If the client has a $1 million death benefit, they would be able to accelerate up to $750,000.

Advisory Fee Endorsement (Standard)

You may have an independent agreement between you and a registered investment advisor. Advisory Fees are used to compensate an advisor for any management of your Policy subject to the terms you and your advisor have mutually agreed upon. The Advisory Fees deducted from your Policy are to pay for management and advice by your registered investment advisor pertaining to this Policy. Advisory Fees will not exceed 1.5% of the Account Value on an annualized basis and are not subject to a withdrawal charge. There is no minimum Advisory Fee amount. The maximum advisory fee amount is the lesser of:

Advisory fees result in (1) cancellation of the Accumulation Units from each applicable Subaccount; and (2) a reduction of the Account Value in the Fixed Account by the amount of the Advisory fee taken from the Fixed Account. In some cases, such as when the Policy's death benefit is driven by the Corridor Factor, withdrawing part of the Account Value may result in a death benefit reduction that is larger than the amount of the partial withdrawal. You may tell us how to deduct the Advisory Fee from the Investment Options, provided that the remaining Account Value in each Subaccount is not less than the minimum subaccount balance shown on the Policy schedule. If you do not, we will deduct it Pro-Rata.

These Advisory Fees may be considered withdrawals from the Policy for tax purposes. The Specified Amount will not be reduced by the amount of these Advisory Fees. Advisory Fees may not be taken after the Insured reaches Attained Age 121 or if the Policy is in a paid-up status.

Example: A Policy Owner has a relationship with a registered investment advisor who manages a portion of his/her assets. A portion of those assets are held as part of the VUL policy. The client has a compensation agreement with the advisor, and this endorsement allows the Policy Owner to use funds from the Policy to compensate their advisor. The client may select the percentage of compensation as well as the mode as long as the total compensation does not exceed 1.5% per year. After filling out the appropriate forms as required by us, we will use funds from the policy to compensate the advisor. When the funds are withdrawn from the policy, there will be no surrender charges or withdrawal charges assessed, and the withdrawals will not impact the Specified Amount of the policy. However, assume the Policy is utilizing death benefit Option A with a specified amount of $100,000 and has enough Account Value to result in a death benefit of greater than $100,000 after the application of the Corridor Factor. An Advisory Fee Withdrawal of $100 would result in a death benefit reduction of more than $100.

Overloan Protection Benefit Endorsement (Standard for Owners that select the guideline premium test ("GPT"))

The benefit provided by this endorsement will keep your Policy from lapsing when you have a large outstanding Loan Balance by providing paid-up life insurance. When the conditions specified below are met we will notify you that you may elect this benefit by Written Notice. If the Policy has entered a grace period, we will mail you a notice of eligibility and the following will apply:

Once you have elected this benefit, your Policy will not lapse or mature. We will notify you when this benefit has been exercised with the changes to your Policy.

You may elect this benefit only if the following requirements are met:

Electing this benefit will change your Policy as follows:

This benefit will terminate at the earliest of:

This endorsement may be reinstated upon reinstatement of the Policy.

Electing the benefit provided by this endorsement may have adverse tax consequences. The Internal Revenue Service has not ruled on the use of this endorsement. We strongly urge you to consult legal counsel and your personal tax adviser before electing this benefit.

Example: An Insured with Attained Age 80 is in their 20^th Policy year. The Loan Balance is between 92.5% and 96% of the Account Value, and the Loan Balance is greater than the Specified Amount. The Internal Revenue Code Life Insurance Qualification Test chosen at policy issue was the Guideline Premium Test. The Insured chooses to elect the Overloan Protection Benefit Endorsement. A charge of 3.5% of the Account Value is taken from the Policy, the Specified Amount is set to 105% of the remaining Account Value. The death benefit option is changed to death benefit Option A, no further premiums are accepted, all riders are terminated, Monthly Deductions cease, all amounts not allocated to the Loan Account must be allocated to the Fixed Account, and no further changes to the Policy are allowed. Upon death, the Beneficiary receives the death benefit minus any outstanding Policy Loan.

Dollar Cost Averaging Program (Standard)

Dollar Cost Averaging allows you to automatically transfer, on a periodic basis, a set dollar amount or percentage from the money market subaccount or the Fixed Account to any other Subaccount(s) or the Fixed Account. Requested percentages are converted to a dollar amount. You can begin Dollar Cost Averaging when you purchase the Policy or later. You can increase or decrease the amount or percentage of transfers or discontinue the program at any time. We must receive notice of your election and any changed instruction – either Written Notice or by telephone transaction instruction. Dollar Cost Averaging is intended to limit loss by resulting in the purchase of more Accumulation Units when an underlying portfolio company's value is low, and fewer units when its value is high. However, there is no guarantee that such a program will result in a higher Account Value, protect against a loss, or otherwise achieve your investment goals. You can limit the number of transfers to be made, in which case the program will end when that number has been made. Otherwise, the program will terminate when the amount remaining in the money market subaccount or the Fixed Account is less than $100. For more information regarding Dollar Cost Averaging rules, see the SYSTEMATIC TRANSFER PROGRAMS – Dollar Cost Averaging Program under the GENERAL DESCRIPTION OF THE POLICY section.

Portfolio Rebalancing Program (Standard)

The Portfolio Rebalancing program allows you to rebalance your Account Value among designated Subaccounts only as you instruct. You must request the rebalancing program, give us your rebalancing instructions, or request to end this program either by Written Notice or by telephone transaction instruction. You may change your rebalancing allocation instructions at any time. Any change will be effective when the next rebalancing occurs. For more information regarding Portfolio Rebalancing Program rules, see the SYSTEMATIC TRANSFER PROGRAMS – Portfolio Rebalancing Program under the GENERAL DESCRIPTION OF THE POLICY section.

Earnings Sweep Program (Standard)

The Earnings Sweep program allows you to rebalance your Account Value by automatically allocating earnings from your Subaccounts among designated Investment Options (Subaccounts or the Fixed Account) either based on your original Policy allocation of premiums or pursuant to new allocation instructions. You must request the Earnings Sweep program, give us your allocation instructions, or request to end this program either by Written Notice or by telephone transaction instruction. You may change your Earnings Sweep program instructions at any time. Any change will be effective when the next sweep occurs. For more information regarding the Earnings Sweep Program rules, see the SYSTEMATIC TRANSFER PROGRAMS – Earnings Sweep Program under the GENERAL DESCRIPTION OF THE POLICY section.

Policy Loans (Standard)

You may obtain a Policy Loan secured by the Cash Surrender Value of your Policy. Any Policy Loan transaction will permanently affect your Account Value. For additional information regarding Policy Loans, refer to the POLICY LOANS section.

Children's Insurance Rider (Optional)

This rider insures each child of the Insured if the child is:

This rider does not insure any child less than 15 days old nor after the child’s 25th birthday.

We will pay the benefit amount under this rider as soon as we receive satisfactory proof that an insured child died while this rider is in force. Unless otherwise provided, the benefit will be paid to:

If the Insured dies (except by suicide within two years of the effective date of this rider), existing insurance on each insured child will be continued at no cost until the child’s 25th birthday. If the Insured commits suicide during the first two years of the Policy, there is a 31-day period for conversion for each Insured child.

The rider may be converted on each insured child, without evidence of insurability subject to our rules as to the minimum amount, plan of insurance and age at issue, which are in effect on the date of conversion, if:

Before the insured child’s 25th birthday, the amount of the new policy may not exceed the benefit amount of the rider on the date of conversion. On or after the insured child’s 25th birthday, the amount of the new policy may not exceed five times the amount of insurance of this rider on the date of conversion.

The Policy Date of the new policy will be the date of conversion. Insurance under this rider on that insured child will terminate on the date of conversion. The incontestability and suicide provisions of the new policy shall be measured from the effective date of this rider up to the benefit amount of this rider on the date of conversion. For any additional face amount, the incontestability and suicide provisions will run from the effective date of the new policy.

This rider will terminate at the earliest of:

This rider may be reinstated upon reinstatement of the Policy, if you provide us with evidence of insurability on each insured child. If this rider is reinstated, the contestable period will start over again beginning on the reinstatement date, but only for statements made in the application for reinstatement.

We will not contest this rider, in the absence of fraud, with respect to each insured child after the benefit amount on that child has been in force during that child’s life for two years. Our total liability will be to return the monthly rider charges paid while the insurance on that child’s life was in force. If this rider is reinstated, the contestable period will start over again beginning on the reinstatement date, but only for statements made in the application for reinstatement.

If any insured child under this rider commits suicide (while sane or insane) within two years after the date that child’s insurance starts, our total liability will be to return the monthly rider charges paid for this rider while the insurance on that child was in force.

We will deduct the monthly cost of this rider until it terminates. If the Insured dies (except by suicide within two years of the effective date of this rider), existing insurance on each insured child will be continued at no cost until the child’s 25th birthday.

This rider does not have Cash Surrender Value or loan value.

Example: A Policy Owner has this rider attached to their Policy covering their 10-year-old child for an amount of $25,000. That child then dies. A $25,000 death benefit would be paid for the death of the child upon satisfactory proof. This rider does not insure any child after the child's 25^th birthday.

Waiver of Monthly Deduction Rider (Optional)

We will waive the Monthly Deduction for the Policy during continued covered disability of the Insured while the Policy and this rider are in force. If this benefit is in effect, all benefits included under the Policy shall continue in force subject to the Policy Loan provisions.

Any Policy adjustments made will increase or decrease the Monthly Deduction accordingly.

The Insured is considered to be totally disabled if:

We will waive the Monthly Deduction for the Policy upon receipt of satisfactory proof that:

If the Insured’s total disability begins before the Policy Anniversary nearest the Insured’s 60^th birthday, we will waive the Monthly Deduction for the policy for the period that the Insured continues to be totally disabled. We will continue to waive the Monthly Deduction for the policy, while the policy remains in force.

If the Insured’s total disability begins after the Policy Anniversary nearest the Insured’s 60^th birthday, we will waive the Monthly Deduction for the policy for the period that the Insured continues to be totally disabled, but only up to the Policy Anniversary nearest the Insured’s 65^th birthday.

The premium must continue to be paid until the claim for waiver of Monthly Deduction is approved by us. A premium paid and later waived will be refunded. If total disability begins during a grace period, payment of the overdue premium is required to avoid a lapse of insurance before we approve the claim for waiver of Monthly Deduction.

Monthly Deductions credited by us will not be deducted from the death benefit proceeds.

Written Notice and satisfactory proof of the Insured’s total disability must be given to us while this rider is in force:

Failure to give Written Notice and satisfactory proof within one year will not cause the denial of a claim if it is shown that the Written Notice and satisfactory proof were given as soon as was reasonably possible. However, no amount due more than one year prior to our receipt of satisfactory proof of claim will be waived.

Satisfactory proof of continuance of total disability must be given to us as often as we reasonably require but not more frequently than once every 30 days. After the first two years of continuous disability, satisfactory proof will not be required more than once a year. Examination of the Insured at our expense by physicians approved by us may be required as part of any satisfactory proof. If satisfactory proof is not given to us when required, no further Monthly Deductions will be waived.

No benefit will be paid if disability results from or is contributed to by:

This rider will terminate at the earliest of:

This rider does not have Cash Surrender Value or loan value.

Example: The Insured of a Policy with this rider suffers a covered disability at age 45. After six months of disability, all Monthly Deductions from the Policy will be waived. The Insured then recovers at age 48, and Monthly Deductions under the Policy are resumed.

Waiver of Specified Premium Rider (Optional)

The Waiver of Specified Premium Rider provides payment of a specified premium to be credited to the Policy as premiums paid during continued covered disability of the Insured under the Policy while the Policy and this rider are in force. On any Monthly Date during continued covered disability, the benefit that is paid may be more or less than the cost of insurance and other charges. The Cash Surrender Value may increase or decrease. Additional premium payments may be required to keep the Policy in force.

The Insured is considered to be totally disabled if:

We will credit, as premium to the policy, the specified premium benefit amount. This will be credited upon receipt of satisfactory proof that:

If the Insured’s total disability begins before the Policy Anniversary nearest the Insured’s 60^th birthday, we will credit specified premiums due under the policy for the period that the Insured continues to be totally disabled. We will continue to credit specified premiums due under the Policy, while the Policy remains in force.

If the Insured’s total disability begins after the Policy Anniversary nearest the Insured’s 60^th birthday, we will credit specified premiums due under the Policy for the period that the Insured continues to be totally disabled, but only up to the Policy Anniversary nearest the Insured’s 65^th birthday.

The premium must continue to be paid until the claim for specified premium is approved by us. A premium paid and later waived will be refunded. If total disability begins during a grace period, payment of the overdue premium is required to avoid a lapse of insurance before we approve the claim for the specified premium benefit.

Specified premiums credited by us will not be deducted from the death benefit proceeds.

If the Waiver of Specified Premium benefit is in effect, all benefits included under the Policy, excluding optional benefits that are issued as attachments to the Policy, shall continue as long as the Policy does not terminate.

Written Notice and satisfactory proof of the Insured’s total disability must be given to us while this rider is in force:

Failure to give Written Notice and satisfactory proof within one year will not cause the denial of a claim if it is shown that the Written Notice and satisfactory proof were given as soon as was reasonably possible. However, no specified premium due more than one year prior to our receipt of satisfactory proof of claim will be credited.

Satisfactory proof of continuance of total disability must be given to us as often as we reasonably require. After the first two years of continuous disability, satisfactory proof will not be required more than once a year. Examination of the Insured at our expense by physicians approved by us may be required as part of any satisfactory proof. If satisfactory proof is not given to us when required, no further specified premiums will be credited.

No benefit will be paid if disability results from or is contributed to by:

This rider will terminate at the earliest of:

This rider does not have Cash Surrender Value or loan value.

Example: The Insured of a Policy with this rider suffers a covered disability at age 45. After six months of disability, a specified premium will be credited to the Policy as reflected on the Policy schedule. These payments will continue until the Policy is terminated or the Insured recovers.

The following is a list of Portfolio Companies available under the Policy. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at ameritas.com/investments/fund-prospectuses. You can also request this information at no cost by calling 800-255-9678 or by sending an email request to alictd@ameritas.com.

The current expenses and performance information below reflects fees and expenses of the Portfolio Companies, but do not reflect the other fees and expenses that your Policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company's past performance is not necessarily an indication of future performance.

Portfolio Company Risk of Loss

Your Account Value will fluctuate with the performance of the Investment Options you choose. You assume the risk that your Account Value may decline or not perform to your expectations. Each underlying portfolio has various investment risks and some have greater risks than others. If you are also invested in the Fixed Account, interest rates may also vary or not perform to your expectations.

There is no assurance that any underlying portfolio will meet its objectives. Prospectuses for Investment Options are available at our website, ameritas.com/investments/fund-prospectuses or by calling 800-255-9678.

Surrender Risks

The Policy is designed to provide lifetime insurance protection. Depending on the Account Value at the time you are considering Surrender, there may be little or no Cash Surrender Value payable to you. Surrender of a Policy while a Policy Loan is outstanding could result in significant tax consequences. A surrender before age 59 ½ may also result in tax penalties. Following a full Surrender, all your rights in the Policy end, and the Policy may not be reinstated.

Advisory Fee Risks

This Policy may be available through third-party financial intermediaries who charge an Advisory Fee for their services. These fees are in addition to Policy fees and expenses described in this prospectus. If the Policy Owner elects to pay the Advisory Fees from the Account Value, this will reduce the Account Value and death benefit under the Policy by the same calculation as any other withdrawals, with the exception that the Specified Amount will not be reduced by the amount of these Advisory Fees. In some cases, such as when the Policy's death benefit is driven by the Corridor Factor, withdrawing part of the Account Value may result in a death benefit reduction that is larger than the amount of the partial withdrawal. In addition, Advisory Fee withdrawals may be subject to federal and state income taxes and may be subject to a 10% federal tax penalty. The Internal Revenue Service has not ruled on the use of this endorsement. We strongly urge you to consult legal counsel and your personal tax and financial professional. For more information, see Advisory Fee Endorsement under OTHER BENEFITS AVAILABLE UNDER THE POLICY, Partial Withdrawals and Advisory Fees under SURRENDERS AND WITHDRAWALS, and TAXES.

Death Benefit Risks

Death benefit proceeds are reduced by any Policy Loan Balance, Lien Balance, and any Monthly Deductions due but unpaid at death. Depending upon your choice of death benefit option, adverse performance of the Investment Options you choose may decrease your Policy's death benefit. In some cases, such as when the Policy's death benefit is driven by the Corridor Factor, the death benefit may be reduced by more than the amount of the partial withdrawal (including Advisory Fee withdrawals).

Limitations on Access to Cash Value

There is no minimum Policy Loan amount. We limit partial withdrawals to a minimum of $100 and a maximum such that the remaining Cash Surrender Value is at least an amount sufficient to maintain the Policy in force for the next three months. Policy Loans may only be taken if your Cash Surrender Value; less Policy Loan interest on the Policy Loan including the requested Policy Loan to the next Policy Anniversary; less the sum of the next three Monthly Deductions, is sufficient to keep your Policy in force. We may defer making a Policy Loan for up to six months unless the Policy Loan is to pay premiums to us. We can postpone payments or any transfers out of a Subaccount if (i) the New York Stock Exchange (NYSE) is closed for other than customary weekend and holiday closings; (ii) trading on the NYSE is restricted; (iii) an emergency exists as determined by the SEC; (iv) or the SEC permits delay for the protection of security holders. We may defer payments of a full or partial Surrender from the Fixed Account for up to six months from the date we received your Written Notice requesting the Surrender and receive approval from the department of insurance of the State where the Policy is delivered. The applicable rules of the SEC will govern as to whether the conditions in (iii) or (iv) exist.

Potential for Increased Charges

The actual charges deducted are current charges on your Policy. However, we have the right to increase those charges at any time up to the guaranteed maximum charges as stated in your Policy.

Tax Risks

We believe the Policy qualifies as a life insurance contract for Federal tax purposes; so that death benefits for individually owned life insurance generally are not subject to income tax, and you should not be considered in constructive receipt of the Cash Surrender Value, including any increases in Cash Surrender Value, unless and until it is distributed from the Policy. Other federal and state taxes may apply. In general, you will be taxed on the amount of a distribution if it exceeds the investment in the Policy (premiums paid). Any taxable distributions are treated as ordinary income (rather than as capital gains) for tax purposes.

In order for you to receive the tax benefits extended to life insurance under the Internal Revenue Code (the "Code"), your Policy must comply with certain requirements of the Code. We will monitor your Policy for compliance with these requirements, but a Policy might fail to qualify as life insurance in spite of our monitoring. If this were to occur, you would be subject to income tax on the income credited to your Policy for the period of disqualification and all subsequent periods. Tax consequences of Ownership or receipt of Policy proceeds under federal, state and local estate, inheritance, gift and other tax laws can vary greatly depending upon the circumstances of each Owner or Beneficiary. There can also be unfavorable tax consequences on such things as the change of Policy Ownership or assignment of Ownership interests. Limits on premium payments and Treasury Department rules could also impact whether the Policy will qualify for the benefits extended to life insurance under the Code. There is no certainty that the expected benefits of life insurance, relative to other financial or investment products, will always continue to exist. We reserve the right to make such changes in the Policy as we deem necessary to assure it qualifies as a life insurance contract under the Code and continues to provide the tax benefits of such qualification.

Buying a Policy might not be advisable if it is just replacing existing life insurance. You may wish to consult with your financial or insurance professional.

Restrictions on Financial Transactions

Applicable laws designed to counter terrorism and prevent money laundering might, in certain circumstances, require us to reject a premium payment and/or block or “freeze” your Policy. If these laws apply in a particular situation, we would not be allowed to process any request for withdrawals, Surrenders, Policy Loans or death benefits, make transfers, or continue making payments under your death benefit option until instructions are received from the appropriate regulator. We also may be required to provide additional information about you or your Policy to government regulators.

Not a Short-Term Investment

The Policy is unsuitable for short-term savings or short-term life insurance needs and is subject to investment risk, including the loss of principal. This Policy is not considered a short-term investment because of the possibility of a tax penalty at the time of Surrender. Funds allocated to the Fixed Account are subject to the claims paying ability of the Company. You should evaluate the Policy's long-term investment potential and risks before purchasing a Policy. You should purchase a Policy only if you have the financial capability and the intent to keep the Policy in force for a substantial period of time.

An investment in the Policy is subject to the risks related to the Company including that any obligations (including under the Fixed Account Investment Option), guarantees, or benefits are subject to the claims-paying ability of the Company. Additional information about the Company, including its financial strength ratings, is available on its website, ameritas.com/about/financial-strength, or is available upon request by contacting our Service Center at 800-255-9678.