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Literature

wdt_ID	Insurance Company	Product	Solution Type	New York Prospectus	Benefits/Optional Rider Info	Optional Rider 2	Prospectus	Client Brochure	Learn More	Investment Options	Performance	Rates
1	Allianz Life	Index Advantage ADV℠	Index-Linked Annuity				Prospectus		How it works			Rates
2	Allianz Life	Retirement Foundation ADV℠	Fixed Indexed Annuity					Client Brochure	How it works			Rates
3	Ameritas	Advisor No-Load VA	Variable Annuity				Prospectus	Client Brochure	Fund Prospectus	Investment Options	Performance
4	Ameritas	Compass SPIA	Single Premium Immediate Annuity					Client Brochure
5	Ameritas	SPDA 2000	Single Premium Deferred Annuity					Client Brochure
6	Ameritas	Advisor II VUL	Variable Universal Life				Prospectus	Client Brochure	Fact Sheet	Investment Options
7	Ameritas	Value Plus Term Life Insurance	Term Life Insurance					Client Brochure
8	Great-West	Great-West Smart Track^® Advisor	Variable Annuity	NY Prospectus	Income Strategy	Secure Income Series	Prospectus	Client Brochure	Product Summary	Investment Options
10	Great American Life	Index Protector℠ 7	Fixed Indexed Annuity					Client Brochure	Product Overview			Rates
11	Nationwide	New Heights® 9	Fixed Indexed Annuity						Index and Strategy Brochure	Index and Strategy Brochure		Rates

Important Disclosures

Before replacing an annuity, review the current policy for loss of benefits or surrender charges you may incur. Some of the fees you are paying in your current annuity could be for benefits other annuities do not provide. When considering a 1035 exchange, the replacement annuity is potentially subject to additional fees including a new surrender schedule.

This is a not the story of an actual investor. It is a narrative designed to illustrate the potential value of a packaged solution to solve a specific client need. It is not intended as a testimonial or endorsement of any particular product.

Testimonials may not be representative of the experience of other financial professionals. Testimonials are no guarantee of future performance or success. No fees were paid to the financial professionals who provided these testimonials.

Guarantees are subject to the claims paying ability of the issuing insurance company.

Annuities on the RetireOne platform include low-cost, commission-free products that don't charge surrender penalties. They feature low-cost underlying investment options from fund families like Vanguard and DFA with expense ratios as low as .03%, and average portfolio expenses ranging from 0.63% to 1.02%. M&E fees in these annuities range from 0.20% to .50%, which represents a cost savings relative to traditional products that charge an average 1.32% in M&E fees (source: Morningstar 12/18).

No-load insurance and annuities do not pay the traditionally high commissions for the sale of these products. Other fees and expenses including subaccount fees, M&E charges, administrative fees, optional rider fees, surrender charges, and other insurance-related fees may apply.

We recommend that you consult with a tax professional when considering annuities or other investments.

RetireOne is paid a nominal administration and service fee by insurers to support the platform through which these products are offered to advisors and their clients.

¹Assumes a fee difference of 90 bps—45 bps M&E for no-load VA vs. 135 bps for average traditional VA (according to Morningstar 12/18).

²First-year fee savings based on $200,000 traditional variable annuity account charging 135 bps M&E vs. IOVA charging 45 bps with a 6% return assumption.

Ameritas Advisor No-Load VA (form 6150) and Ameritas Advisor VUL® (form 4051) are issued by Ameritas Life Insurance Corp. and underwritten by affiliate Ameritas Investment Corp. 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 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, which are available on this website. Please read the prospectuses carefully before investing or sending money. Products are not available in NY.

RetireOne is not an affiliate of Ameritas.

Securities offered through EF Legacy Securities, LLC (EFLS). EFLS is a member of FINRA/SIPC, registered in all 50 states and is a licensed insurance agency (resident KY License No. DOI-896601). In CA, EFLS is doing business as EF Legacy Insurance Agency LLC (nonresident license No. 0L01472).

Non-registered insurance products are sold by Aria Retirement Solutions, Inc. a licensed insurance agency doing business in California as Aria Insurance Solutions, Inc., (CA License #0H44773)

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR CONSUMER USE.