FlexMark Select SM Series Annuity Quick Reference

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1 , Ext FlexMark Select SM Series Annuity Quick Reference Carrier Features Income Riders** Bonus Crediting Options* Liquidity As of 7/1/2018 Available Ameritas Life Corp., Lincoln, NE Ratings: A.M. Best A (Excellent) for insurance financial strength and operating performance. Third highest of 13 Rating as of 3/23/2018. Standard & Poor s A+ (Strong) for financial strength. Fifth highest of 21 Rating as of 3/16/2018. Ameritas Mutual Holding Company s ratings include Ameritas Life Corp. and Ameritas Life Corp. of New York. FlexMark Select SM Series 10-year single premium deferred fixed index annuities* Prem. Bonus Select NA Plus 6% LT NA LT Plus 4% LT Plus in CA, IN, MO 2% 0 85 (Q and NQ) $25K minimum Year 1. $5K minimum additional (Year 1 only). $1M maximum without Home Office approval. Sweep (Allocation) Dates 5 th, 15 th, and 25 th of each month. Applications, requirements, and premium must be received in good order one business day prior to the sweep date. No-cost income rider (guaranteed lifetime withdrawal benefit rider).** Optional upgraded income rider with level or lifestyle payout.** Optional Income Booster for declining health.* Vesting premium bonus on Plus products.* Rate banding offers upgraded rates for larger Accumulation Value (AV). Strong accumulation options with choice to buy up the rates on fee strategies.* Proprietary index allows for broad diversification and limited volatility. Extra one-time 10% emergency withdrawal after Year 1.* Surrender Value (MGSV) is 87.50% of premium (90% in NJ) less withdrawals at guaranteed minimum interest rate of 1%. Death benefit is greater of AV plus any bonus account or MGSV. Choice of three guaranteed lifetime withdrawal benefit (GLWB) riders at contract issue: Basic GLWB Income Rider Automatically included at no cost! 3% Accumulation Rate (PAR) compounded for up to 10 years. Payouts can start after Year 5 and age 50. No restart. MyFit Income Rider SM 6% PAR compounded for up to 10 years. Optional 10-year restart. Choice of level or lifestyle payout option when payouts begin. Lifestyle payout offers enhanced payouts for an enhanced benefit period followed by lower, secondary payouts for life. Enhanced benefit period based on age when payouts begin: o Ages 50 65: 7 years. o Ages 66 70: 5 years. o Ages 71+: NA. Payouts can start after Year 1 and age % annual charge. MyFit Income Rider SM With Booster* Same as MyFit Income Rider SM, plus double payouts for impairment in 2 of 6 ADLs. 1.05% annual charge. Vesting Bonus* Select Plus: 6% LT Plus: 4% 2% (CA, IN, and MO) 10-Year Vesting Schedule* (% vested at end of year) Select Plus: 0, 5, 10, 15, 20, 30, 45, 60, 75, 90, 100% LT Plus: 0, 5, 15, 25, 35, 45, 55, 65, 80, 90, 100% Vested and non-vested values are included in the death benefit. AV: Standard Band $0 $199,999 Upgraded Band $200,000+ S&P Year PTP w/ Cap: 1% Fee*, No Fee 1% Fee*, No Fee Select: 6.50% 4.25% 6.75% 4.50% Plus: 5.75% 3.50% 6.00% 3.75% LT: 6.00% 3.75% 6.25% 4.25% LT Plus: 5.50% 3.50% 5.75% 3.75% Russell Year PTP w/ Cap: 1% Fee*, No Fee 1% Fee*, No Fee Select: 6.50% 4.25% 6.75% 4.50% Plus: 5.75% 3.50% 6.00% 3.75% LT: 6.00% 3.75% 6.25% 4.00% LT Plus: 5.50% 3.25% 5.75% 3.75% BNPP Momentum 5 1-Year PTP w/ Par. Rate: 1% Fee*, No Fee 1% Fee*, No Fee Select: 115% 75% 120% 85% Plus: 105% 65% 110% 70% LT: 110% 70% 115% 75% LT Plus: 100% 60% 110% 70% BNPP Momentum 5 2-Year* PTP w/ Par. Rate: 2% Fee*, No Fee 2% Fee*, No Fee Select: 140% 90% 150% 100% Plus: 125% 75% 135% 85% LT: 135% 85% 140% 90% LT Plus: 125% 75% 130% 80% S&P Year* PTP w/ Par. Rate: 2% Fee*, No Fee 2% Fee*, No Fee Select: 70% 40% 75% 45% Plus: 60% 35% 65% 40% LT: 65% 35% 70% 40% LT Plus: 60% 35% 65% 40% 1-Year Fixed Account: Select: 2.35% 2.50% Plus: 2.00% 2.15% LT: 2.15% 2.30% LT Plus: 1.95% 2.10% Rates effective 7/1/2018, and subject to change. Years 2 10% of vested account value annually or Required minimum distribution (RMD) associated with the policy. Additional Emergency Access* Extra one-time withdrawal up to 10% without surrender charge or MVA, available after Year 1. Surrender Schedule (+/- MVA)* Select and Select Plus: 10, 10, 10, 9, 9, 8, 7, 6, 4, 2, 0% LT and LT Plus: 9, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0% LT and LT Plus (CA, IN, and MO): 8, 7.75, 6.75, 5.75, 4.70, 3.65, 2.60, 1.50, 0.60, 0% Waiver of Surrender Charge Riders* Included at no additional cost: Confinement. Terminal Illness. Home Health Care. Select and LT: 7.00% (0 75) 6.00% (76 85) Select Plus and LT Plus: 6.00% (0 75) 5.00% (76 85) Chargebacks: 100% chargeback Year 1 for death, surrender, and withdrawals (including RMDs). See Compensation Schedule for details. Select and Select Plus: AL, AR, AZ, CO, DC, FL 1,2 (0 64), GA, IA, ID, IL, KS, KY, LA, MD, ME, MI, MS, MT, NC, ND, NE, RI, SD, TN, VA, VT, WI, LT and LT Plus: AK, CA 1,2,3,4,5,6,7, CT, DE, FL 1,2 (65+), HI, IN 3, MA 2, 5, MN 8, MO 3, NH 9, NJ 9, NM, NV, OH, OK, PA 8, SC, TX, UT 8, WA 8 1. No Income Booster. 2. No Home Health Care Waiver. 3. 2% bonus and 9-year surrender schedule apply. 4. No MVA. 5. No Confinement Waiver. 6. No Terminal Illness Waiver. 7. No extra 10% emergency w/d. 8. Fee interest crediting options not 9. No 2-Year strategies. In approved states, FlexMark Select SM Index Annuities (Form 2705) and riders are issued by Ameritas Life Corp. (Ameritas), located at 5900 O Street, Lincoln, NE s are distributed by Legacy Marketing Group. Ameritas and Legacy Marketing Group are separate, independent entities. FlexMark Select SM Index Annuities are single premium deferred annuities that offer a fixed interest option and index interest options. The index options are not securities. Keep in mind, your clients are not participating in the market or investing in any stock or bond. Policies, index strategies, and riders may vary and may not be available in all states. Optional features and riders may have limitations, restrictions, and additional charges. guarantees are based on the claims-paying ability of Ameritas Life Corp. Refer to brochures for additional details. may be subject to income tax. If withdrawals are made before age 59½, they also may be subject to an IRS penalty tax. Ameritas, Legacy Marketing Group, and their authorized representatives do not give legal or tax advice. It is recommended that tax advisers be consulted. Standard & Poor s 500 TM Index is comprised of 500 stocks representing major U.S. industrial sectors. S&P 500 and Standard & Poor s 500 TM are trademarks of Standard & Poor s and have been licensed for use by Ameritas Life Corp. The product is not sponsored, endorsed, sold or promoted by Standard & Poor s and Standard & Poor s does not make any representation regarding the advisability of investing in the product. The Russell 2000 Index is a trademark of the Russell Investment Group ( Russell ) and has been licensed for use by Ameritas Life Corp. FlexMark Select SM Index Annuity is not sponsored, endorsed, sold or promoted by Russell and Russell makes no representation regarding the advisability of purchasing the product. Russell Investment Group is the source and owner of the trademarks, service marks and copyrights related to the Russell Indexes. Russell is a trademark of Russell Investment Group. This product is not sponsored, endorsed, sold or promoted by BNP Paribas or any of its affiliates (collectively, BNP Paribas ). Neither BNP Paribas nor any other party (including without limitation any calculation agents or data providers) makes any representation or warranty, express or implied, regarding the advisability of purchasing this product. BNP Paribas Momentum Multi-Asset 5 Index (the Index ) is the exclusive property of BNP Paribas. BNP Paribas and the Index are service marks of BNP Paribas and will be licensed for use for certain purposes by Ameritas Life Corp. BNP Paribas shall not have any liability with respect to the product. Neither BNP Paribas nor any other party has or will have any obligation or liability to owners of this product in connection with the administration or marketing of this product, and neither BNP Paribas nor any other party guarantees the accuracy and/or the completeness of the Index or any data included therein. * May vary by state and may not be available in all states. Check current State Approval Matrix. ** GLWB may not be available with all tax-qualified plan types. AL1001v0718 1% fee is deducted at the beginning of each 1-year index period; 2% fee is deducted at the beginning of each 2-year index period. Also known as the BNP Paribas Momentum Multi-Asset 5 Index. FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS.

2 Carrier Features ClassicMark SM Series Annuity Quick Reference , Ext As of 6/29/2018 / Surrender ** Crediting Strategies* Min. Rates Americo Life and Annuity Kansas City, MO (Excellent) for financial strength. 3rd highest of 15 6/29/2018 ClassicMark SM Series single premium deferred fixed indexed annuities* Upfront Bonus 10 NA 10 LT NA 10 Plus 4% 10 LT Plus 3% Heritage Maximizer SM Optional enhanced death benefit rider that provides a death benefit of 130% of the entire AV. Available on all product versions.* Current charge is 0.30%, deducted at the end of each contract year. Benefits are available three years after the rider effective date. Ages (Q, NQ) 10, 10 LT Plus, 10 LT Plus 0 80 Heritage Maximizer SM 0 75 $10,000 minimum, Q and NQ. $1 million maximum per owner without Home Office approval. Index Dates 7th, 14th, 21st, or 28th of the month Optional upfront premium bonus vests 100% Day One to jump-start earnings. First-year liquidity, penalty-free. Diverse choice of indexed strategies covering multiple markets: o Five participation rate strategies with no cap. o Three cap strategies with 100% participation. Index gains credit at death. No market value adjustment (MVA). Waiver of Surrender Charges Upon Nursing Home or Hospital Confinement Endorsement (Series 4139).*, ** Strong contractual guarantee 1% 3% on 100% of premium less prior gross withdrawals, less surrender charges upon contract termination. Accepts Q and NQ money; traditional, Roth, Inherited, and SEP IRAs; and non-contributory 403(b)/TSA plans. Death Benefit greater of 100% of AV (130% with Heritage Maximizer SM ), GMV, or Return of less prior gross withdrawals at death. Up to 10% of AV annually after 30 days. The minimum withdrawal amount is $500, with a minimum remaining surrender value of $2,000. Surrender Schedules 13, 12, 11, 10.50, 10, 9, 8, 7, 6, 5, 0% 10.20, 9.20, 8.20, 7.20, 10 Plus: 14, 13, 12.50, 11.50, 10.50, 9.50, 8.50, 7.50, 6.50, 5.50, 0% 13, 9.20, 8.20, 7.20, Check Sales Guide for CA, CT, FL, PA, and WA variations. 1-Yr S&P 500 PTP w/ Cap 10, 4.50% 10 Plus, 3.50% 1-Yr S&P 500 Monthly PTP w/ Cap 10, 1.80% 10 Plus, 1.50% 1-Yr S&P 500 PTP Inversion w/ Cap 10, 7.00% 10 Plus, 5.00% 1-Yr DJ Real Estate Mthly Avg. w/ Par. 10, 75% 10 Plus, 60% 1-Yr Morgan Stanley TEBI PTP w/ Par.* 10, 70% 10 Plus, 55% 2-Yr Morgan Stanley TEBI PTP w/ Par.* 10, 100% 10 Plus, 75% 2-Yr S&P 500 PTP w/ Par.* 10, 50% 10 Plus, 35% 2-Yr S&P 500 Risk Control PTP w/ Par.* 10, 65% 10 Plus, 50% Declared Account 10, 1.90% 10 Plus, 1.45% Rates effective 6/29/2018, and subject to change. Value: 1% 3% on 100% of premium, less surrender charges. Current Value Rate: 1% Cap Strategies: guaranteed cap is 1% (0.10% for monthly cap). Participation Rate Strategies: guaranteed participation rate is 5% (10% in NJ). Declared Account: guaranteed annual interest rate is 1%. 5.00% (Ages 81 85) 3.75% (Ages 81 85) 10 Plus, s are based on the date the premium is received in Americo s Administrative Office. Schedule for details. 10 and 10 Plus: AR, AZ, CO, DC, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA 1, MD, ME, MI, MO, MT, NC, ND, NE, NM, RI, SD, TN, VA, WI, 10 LT and AK, CA, CT, DE, FL, NH 2, NJ 2, NV, OH, OK, PA 3, SC, TX, UT, WA Heritage Maximizer SM : Available in all approved states except MO, NJ, OH, PA, UT, WA 1. Waiver of Surrender Charges Upon Nursing Home or Hospital Confinement Endorsement not 2. Multi-year strategies not 3. Morgan Stanley ClassicMark SM Heritage Maximizer SM enhanced death benefit rider (Rider Series 2181). ClassicMark SM 10, 10 LT (Contract Series 411/411LG10/4190/4204); ClassicMark SM 10 Plus, 10 LT Plus (Contract Series 411/411LG10+/4179/4190/4204). s are single premium fixed deferred indexed annuities underwritten by Americo Life and Annuity Company (Americo), Kansas City, MO, and may vary in accordance with state laws. s are designed and exclusively marketed by Legacy Marketing Group, an independent, authorized agency of Americo. Some products and benefits may not be available in all states. Certain restrictions and variations apply. Consult contract and riders for all limitations and exclusions. The S&P 500 Index, S&P 500 Average Daily Risk Control 10% USD Price Return Index, and Dow Jones U.S. Real Estate Index are products of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates ( SPDJI ), and have been licensed for use by Americo Life and Annuity Company ( Americo ). Standard & Poor s, S&P 500, and S&P are registered trademarks of Standard & Poor s Services LLC ( S&P ); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC ( Dow Jones ); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Americo. Americo s is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index, S&P 500 Average Daily Risk Control 10% USD Price Return Index, and Dow Jones U.S. Real Estate Index. This product is not sponsored, endorsed, sold or promoted by Morgan Stanley or any of its affiliates. Neither Morgan Stanley nor any other party (including, without limitation, any calculation agents or data providers) makes any representation or warranty, express or implied, regarding the advisability of purchasing this product. The Target Equity Balanced Index (the Index ) is the exclusive property of Morgan Stanley. Morgan Stanley and the Index are service marks of Morgan Stanley and have been licensed for use for certain purposes by Americo Life & Annuity Company. Morgan Stanley will not have any obligation or liability to owners of this product in connection with the administration or marketing of this product, and neither Morgan Stanley nor any other party guarantees the accuracy and/or the completeness of the Index or any data included therein. Morgan Stanley and its affiliates may engage in transactions involving components of the Index for their proprietary accounts and/or for accounts of their clients, which may affect the value of such components and the level of the Index. * Subject to state availability. Certain restrictions may apply. Check current State Approval Matrix. ** may be subject to ordinary income tax, and a 10% IRS penalty may apply to withdrawals taken before age 59½. Also known as the Morgan Stanley Target Equity Balanced Index. AF1284v (07/18) FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS.

3 Carrier Features Bonuses LibertyMark SM Series Annuity Quick Reference , Ext As of 6/29/2018 / Surrender Crediting Strategies* Min. Rates Americo Life and Annuity Kansas City, MO (Excellent) for financial strength. 3rd highest of 15 6/29/2018 LibertyMark SM Series single premium deferred fixed indexed annuities* Bonus Years Fee 7 No 7 1% 7 Plus Yes 7 1% 10, 10 LT No % 10 Plus, 10 LT Plus Yes % Liberty Optimizer Fee Annual administrative fee deducted from the Accumulation Value (AV) at the end of each contract year, including the first.** Heritage Maximizer SM Optional enhanced death benefit rider that provides a death benefit of 130% of the entire AV. Available on non-bonus products.* Current charge is 0.30%, deducted at the end of each contract year.** Ages (Q, NQ) 7, 7 Plus, 10, 10 LT Plus, 10 LT Plus 0 80 Heritage Maximizer SM 0 75 $10,000 minimum, Q and NQ. $1 million maximum per owner without Home Office approval. Index Dates 7th, 14th, 21st, or 28th of the month Diverse choice of indexed strategies covering multiple markets: o Five participation rate strategies with no cap. o Three cap strategies with 100% participation. Index gains credit at death. No market value adjustment (MVA). Waiver of Surrender Charges Upon Nursing Home or Hospital Confinement Endorsement (Series 4139).*, Strong contractual guarantee 1% 3% on 100% of premium, less surrender charges upon contract termination. Accepts Q and NQ money; traditional, Roth, Inherited, and SEP IRA; and non-contributory 403(b)/TSA plans. Death Benefit greatest of 100% of AV (130% with Heritage Maximizer SM ), return of premium less prior gross withdrawals,, or GMV at death. True Up credits back any Liberty Optimizer Fees amounts paid that are greater than interest earnings. Applies at end of Year 5. 7 Plus: 5% persistency Year Plus: 5% upfront, plus 10% persistency 5% upfront (4% in CA), plus 8% persistency The persistency bonus is equal to the AV at the end of Year 7 on LibertyMark SM 7 Plus and end of Year 10 on LibertyMark SM 10 Plus and 10 LT Plus, multiplied by the persistency bonus percentage. Up to 10% of AV annually after the first year. RMDs accepted Year 1 per company practice. The minimum withdrawal amount is $500, with a minimum remaining surrender value of $2,000. Surrender Schedules 7, 7 Plus: 9, 8.50, 8, 7, 6, 5, 4, 0% 12, 11.50, 11, 10.50, 10, 9, 8, 7, 6, 5, 0% 9.20, 9.20, 8.20, 7.20, 10 Plus: 13, 13, 12.50, 11.50, 10.50, 9.50, 8.50, 7.50, 6.50, 5.50, 0% 11.90, 9.40, 8.20, 7.20, 6.20, 5.20, 4.20, 3.10, Check Sales Guide for CA, CT, FL, MN, PA, and WA variations. 7 7 Plus 10, 10 LT 10 Plus, 10 LT Plus 1-Yr S&P 500 PTP w/ Cap 5.75% 5.00% 7.00% 4.75% 1-Yr S&P 500 Monthly PTP w/ Cap 2.10% 2.00% 2.35% 1.90% 1-Yr S&P 500 PTP Inversion w/ Cap 9.75% 8.50% 12.25% 7.50% 1-Yr DJ Real Estate Mthly Avg. w/ Par. 95% 85% 110% 80% 1-Yr Morgan Stanley TEBI PTP* w/ Par. 90% 80% 105% 75% 2-Yr Morgan Stanley TEBI PTP* w/ Par. 125% 115% 145% 105% 2-Yr S&P 500 PTP w/ Par. 60% 55% 70% 50% 2-Yr S&P 500 Risk Control PTP w/ Par. 80% 75% 95% 65% Declared Account 2.45% 2.20% 2.95% 1.95% Rates effective 6/29/2018, and subject to change. Value: 1% 3% on 100% of premium, less surrender charges. Current Value Rate: 1% Cap Strategies: guaranteed cap is 1.00% (0.10% for monthly cap). Participation Rate Strategies: guaranteed participation rate is 5.00% (10.00% in NJ). Declared Account: guaranteed annual interest rate is 1.00%. 7: 3.75% (Ages 81 85) 7 Plus: 4.00% (Ages 0 80) 2.75% (Ages 81 85) 7.00% (Ages 0 80) 6.00% (Ages 81 85) 4.75% (Ages 81 85) 10 Plus, s are based on the date the premium is received in Americo s Administrative Office. Schedule for details. 7, 7 Plus, 10, and 10 Plus: AR, AZ, CO, DC, GA, HI, IA, ID, IL, KS, KY, LA, MA 1, MD, ME, MI, MT, NC, ND, NE, NM, RI, SD, TN, VA, WI, 7, 7 Plus, 10 LT, and AK, CA, CT, DE, FL, MN (7, 7 Plus only), NH 2, NJ 2, NV (no 7 Plus), OH (7, 10 LT only), OK, PA 3 (no 7 Plus), SC, TX, UT, WA Heritage Maximizer SM : Available with 7, 10, and 10 LT, except in NJ, OH, PA, UT, WA 1. Waiver of Surrender Charges Upon Nursing Home or Hospital Confinement Endorsement not 2. Multi-year 3. Morgan Stanley LibertyMark SM Heritage Maximizer SM enhanced death benefit rider (Rider Series 2181). LibertyMark SM 7, 10, 10 LT, SE 7, SE 10, SE 10 LT (Contract Series 411/4196/4205); LibertyMark SM 7 Plus, SE 7 Plus (Contract Series 411/4191/4196/4205); LibertyMark SM 10 Plus, 10 LT Plus, SE 10 Plus, SE 10 LT Plus (Contract Series 411/4179/4184/4196/4205). s are single premium deferred fixed indexed annuities underwritten by Americo Life and Annuity Company (Americo), Kansas City, MO, and may vary in accordance with state laws. s are designed and exclusively marketed by Legacy Marketing Group, an independent, authorized agency of Americo. Some products and benefits may not be available in all states. Certain restrictions and variations apply. Consult contract and riders for all limitations and exclusions. The S&P 500 Index, S&P 500 Average Daily Risk Control 10% USD Price Return Index, and Dow Jones U.S. Real Estate Index are products of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates ( SPDJI ), and have been licensed for use by Americo Life and Annuity Company ( Americo ). Standard & Poor s, S&P 500, and S&P are registered trademarks of Standard & Poor s Services LLC ( S&P ); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC ( Dow Jones ); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Americo. Americo s is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index, S&P 500 Average Daily Risk Control 10% USD Price Return Index, and Dow Jones U.S. Real Estate Index. This product is not sponsored, endorsed, sold or promoted by Morgan Stanley or any of its affiliates. Neither Morgan Stanley nor any other party (including, without limitation, any calculation agents or data providers) makes any representation or warranty, express or implied, regarding the advisability of purchasing this product. The Target Equity Balanced Index (the Index ) is the exclusive property of Morgan Stanley. Morgan Stanley and the Index are service marks of Morgan Stanley and have been licensed for use for certain purposes by Americo Life & Annuity Company. Morgan Stanley will not have any obligation or liability to owners of this product in connection with the administration or marketing of this product, and neither Morgan Stanley nor any other party guarantees the accuracy and/or the completeness of the Index or any data included therein. Morgan Stanley and its affiliates may engage in transactions involving components of the Index for their proprietary accounts and/or for accounts of their clients, which may affect the value of such components and the level of the Index. * Subject to state availability. Certain restrictions may apply. Check current State Approval Matrix. ** Fee will be deducted at the beginning of each contract year, including the first, for applications received prior to 11/8/2016 (prior to AF1030v (07/18) FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS. may be subject to ordinary income tax, and a 10% IRS penalty may apply to withdrawals taken before age 59½. Return of premium is provided by current company practice, rather than contractually, for applications received prior to 11/8/2016 (prior to

4 LibertyMark SM SE Series Annuity Quick Reference , Ext As of 6/29/2018 Carrier Features Bonuses / Surrender Crediting Strategies* Min. Rates Americo Life and Annuity Kansas City, MO (Excellent) for financial strength. 3rd highest of 15 6/29/2018 LibertyMark SM Series single premium deferred fixed indexed annuities* Bonus Years Fee SE 7 No % SE 7 Plus Yes % SE 10, SE 10 LT No % SE 10 Plus, SE 10 LT Plus Yes % Liberty Optimizer Fee Annual administrative fee deducted from the Accumulation Value (AV) at the end of each contract year, including the first.** Heritage Maximizer SM Optional enhanced death benefit rider that provides a death benefit of 130% of the entire AV. Available on non-bonus products.* Current charge is 0.30%, deducted at the end of each contract year.** SE 7, SE 7 Plus, SE 10, SE 10 LT SE 10 Plus, SE 10 LT Plus Ages (Q, NQ) Heritage Maximizer SM 0 75 $10,000 minimum, Q and NQ. $1 million maximum per owner without Home Office approval. Index Dates 7th, 14th, 21st, or 28th of the month Diverse choice of indexed strategies covering multiple markets: o Five participation rate strategies with no cap. o Three cap strategies with 100% participation. Index gains credit at death. No market value adjustment (MVA). Waiver of Surrender Charges Upon Nursing Home or Hospital Confinement Endorsement (Series 4139).*, Strong contractual guarantee 1% 3% on 100% of premium, less surrender charges upon contract termination. Accepts Q and NQ money; traditional, Roth, Inherited, and SEP IRA; and non-contributory 403(b)/TSA plans. Death Benefit greatest of 100% of AV (130% with Heritage Maximizer SM ), return of premium less prior gross withdrawals,, or GMV at death. True Up credits back any Liberty Optimizer Fees amounts paid that are greater than interest earnings. Applies at end of Year 5. SE 7 Plus: 5% persistency Year 7. SE 10 Plus: 5% upfront plus 10% persistency SE 5% upfront (4% in CA), plus 8% persistency The persistency bonus is equal to the AV at the end of Year 7 on LibertyMark SM SE 7 Plus and end of Year 10 on LibertyMark SM SE 10 Plus and SE 10 LT Plus, multiplied by the persistency bonus percentage. Up to 10% of AV annually after the first year. RMDs accepted Year 1 per company practice. The minimum withdrawal amount is $500, with a minimum remaining surrender value of $2,000. Surrender Schedules SE 7, SE 7 Plus: 9, 8.50, 8, 7, 6, 5, 4, 0% SE 12, 11.50, 11, 10.50, 10, 9, 8, 7, 6, 5, 0% SE 9.20, 9.20, 8.20, 7.20, SE 10 Plus: 13, 13, 12.50, 11.50, 10.50, 9.50, 8.50, 7.50, 6.50, 5.50, 0% SE 11.90, 9.40, 8.20, 7.20, Check Sales Guide for CA, CT, FL, MN, PA, and WA variations. SE 7 SE 7 Plus SE 10 Plus, SE 10, SE 10 SE 10 LT LT Plus 1-Yr S&P 500 PTP w/ Cap 6.75% 6.00% 8.00% 5.75% 1-Yr S&P 500 Monthly PTP w/ Cap 2.30% 2.20% 2.55% 2.10% 1-Yr S&P 500 PTP Inversion w/ Cap 12.25% 10.50% 15.00% 9.75% 1-Yr DJ Real Estate Mthly Avg. w/ Par. 110% 100% 125% 95% 1-Yr Morgan Stanley TEBI PTP* w/ Par. 105% 95% 115% 90% 2-Yr Morgan Stanley TEBI PTP* w/ Par. 145% 130% 165% 125% 2-Yr S&P 500 PTP w/ Par. 70% 60% 80% 60% 2-Yr S&P 500 Risk Control PTP w/ Par. 95% 85% 105% 80% Declared Account 2.95% 2.70% 3.45% 2.45% Rates effective 6/29/2018, and subject to change. Value: 1% 3% on 100% of premium, less surrender charges. Current Value Rate: 1% Cap Strategies: guaranteed cap is 1.00% (0.10% for monthly cap). Participation Rate Strategies: guaranteed participation rate is 5.00% (10.00% in NJ). Declared Account: guaranteed annual interest rate is 1.00%. SE 7: 3.75% (Ages 81 85) SE 7 Plus: 4.00% (Ages 0 80) 2.75% (Ages 81 85) SE 7.00% (Ages 0 80) 6.00% (Ages 81 85) SE 4.75% (Ages 81 85) SE 10 Plus and SE s are based on the date the premium is received in Americo s Administrative Office. Schedule for details. SE 7, SE 7 Plus, SE 10, and SE 10 Plus: AR, AZ, CO, DC, GA, HI, IA, ID, IL, KS, KY, LA, MA 1, MD, ME, MI, MT, NC, ND, NE, NM, RI, SD, TN, VA, WI, SE 7, SE 7 Plus, SE 10 LT, and SE AK, CA, CT, DE, FL, MN (SE 7, SE 7 Plus only), NH 2, NJ 2, NV (no SE 7 Plus), OH (SE 7, SE 10 LT only), OK, PA 3 (no SE 7 Plus), SC, TX, UT, WA Heritage Maximizer SM : Available with SE 7, SE 10, and SE 10 LT, except in NJ, OH, PA, UT, WA 1. Waiver of Surrender Charges Upon Nursing Home or Hospital Confinement Endorsement not 2. Multi-year strategies not 3. Morgan Stanley LibertyMark SM Heritage Maximizer SM enhanced death benefit rider (Rider Series 2181). LibertyMark SM 7, 10, 10 LT, SE 7, SE 10, SE 10 LT (Contract Series 411/4196/4205); LibertyMark SM 7 Plus, SE 7 Plus (Contract Series 411/4191/4196/4205); LibertyMark SM 10 Plus, 10 LT Plus, SE 10 Plus, SE 10 LT Plus (Contract Series 411/4179/4184/4196/4205). s are single premium deferred fixed indexed annuities underwritten by Americo Life and Annuity Company (Americo), Kansas City, MO, and may vary in accordance with state laws. s are designed and exclusively marketed by Legacy Marketing Group, an independent, authorized agency of Americo. Some products and benefits may not be available in all states. Certain restrictions and variations apply. Consult contract and riders for all limitations and exclusions. The S&P 500 Index, S&P 500 Average Daily Risk Control 10% USD Price Return Index, and Dow Jones U.S. Real Estate Index are products of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates ( SPDJI ), and have been licensed for use by Americo Life and Annuity Company ( Americo ). Standard & Poor s, S&P 500, and S&P are registered trademarks of Standard & Poor s Services LLC ( S&P ); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC ( Dow Jones ); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Americo. Americo s is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index, S&P 500 Average Daily Risk Control 10% USD Price Return Index, and Dow Jones U.S. Real Estate Index. This product is not sponsored, endorsed, sold or promoted by Morgan Stanley or any of its affiliates. Neither Morgan Stanley nor any other party (including, without limitation, any calculation agents or data providers) makes any representation or warranty, express or implied, regarding the advisability of purchasing this product. The Target Equity Balanced Index (the Index ) is the exclusive property of Morgan Stanley. Morgan Stanley and the Index are service marks of Morgan Stanley and have been licensed for use for certain purposes by Americo Life & Annuity Company. Morgan Stanley will not have any obligation or liability to owners of this product in connection with the administration or marketing of this product, and neither Morgan Stanley nor any other party guarantees the accuracy and/or the completeness of the Index or any data included therein. Morgan Stanley and its affiliates may engage in transactions involving components of the Index for their proprietary accounts and/or for accounts of their clients, which may affect the value of such components and the level of the Index. * Subject to state availability. Certain restrictions may apply. Check current State Approval Matrix. ** Fee will be deducted at the beginning of each contract year, including the first, for applications received prior to 11/8/2016 (prior to AF1102v (07/18) FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS. may be subject to ordinary income tax, and a 10% IRS penalty may apply to withdrawals taken before age 59½. Return of premium is provided by current company practice, rather than contractually, for applications received prior to 11/8/2016 (prior to

5 Target Equity Balanced Index Powered by Morgan Stanley A diverse range of interest crediting strategies with huge upside potential and layers of strong contractual guarantees need another reason to get excited about LibertyMark SM fixed indexed annuities? How about a proprietary index from Morgan Stanley that calculates an average annualized net return up to 9.96%* over the last 10 years!? Average Annualized Net Return* Two-Year Morgan Stanley Target Equity Balanced Index Point-to-Point With 165% Participation Rate $400,000 $350,000 $300,000 $250,000 $200, % $241, % $258, % $362,591 $150,000 $100,000 $50,000 $0 1.00% $110,462 Min. Value** Down Market 11/1/07 11/1/17* Last 10 Years 12/28/07 12/28/17* With news that sounds too good to be true, do you need to see it to believe it? Run an Illustration Up Market 4/8/03 4/8/13* For more information, call the Legacy Sales Team at , Ext. 4002, or visit LibertyMark SM 7, 10, 10 LT, SE 7, SE 10, SE 10 LT (Contract Series 411/4196/4205); LibertyMark SM 7 Plus, SE 7 Plus (Contract Series 411/4191/4196/4205); LibertyMark SM 10 Plus, 10 LT Plus, SE 10 Plus, SE 10 LT Plus (Contract Series 411/4179/4184/4196/4205). s are single premium deferred fixed indexed annuities underwritten by Americo Life and Annuity Company (Americo), Kansas City, MO, and may vary in accordance with state laws. s are designed and exclusively marketed by Legacy Marketing Group. Some products and benefits may not be available in all states. Certain restrictions and variations apply. Consult contract and riders for all limitations and exclusions. Legacy Marketing Group and any licensed insurance agent/agency shown on this ad are independent, authorized agents/agencies of Americo. The Liberty Optimizer administrative fee of % (depending on the product version selected) will be deducted from the Accumulation Value at the end of each contract year, including the first. This product is not sponsored, endorsed, sold or promoted by Morgan Stanley or any of its affiliates. Neither Morgan Stanley nor any other party (including, without limitation, any calculation agents or data providers) makes any representation or warranty, express or implied, regarding the advisability of purchasing this product. The Target Equity Balanced Index (the Index ) is the exclusive property of Morgan Stanley. Morgan Stanley and the Index are service marks of Morgan Stanley and have been licensed for use for certain purposes by Americo Life & Annuity Company. Morgan Stanley will not have any obligation or liability to owners of this product in connection with the administration or marketing of this product, and neither Morgan Stanley nor any other party guarantees the accuracy and/or the completeness of the Index or any data included therein. Morgan Stanley and its affiliates may engage in transactions involving components of the Index for their proprietary accounts and/or for accounts of their clients, which may affect the value of such components and the level of the Index. Please see the offering materials related to the fixed indexed annuity for additional details, including risks relating to an investment linked to the Morgan Stanley Target Equity Balanced Index. Those risks include, but are not limited to, those associated with the Index s momentum investment strategy, the volatility target, and the embedded costs. * Hypothetical example assumes 165% participation rate, net of 1.75% Liberty Optimizer Fee on LibertyMark SM SE 10. Rate effective May 22, 2018, and subject to change. Example further assumes a $100,000 starting value, no bonus, and no withdrawals. Participation rate may be higher or lower but is guaranteed never to be less than 5% (may vary by state). The Liberty Optimizer Fee applies at the end of each contract year, including the first. Keep in mind that past performance is no guarantee of future results. Any such example must not be regarded as guaranteed or as an estimate of future performance, unless it is based solely on the minimum guaranteed interest rates. Strategy not available in NH, NJ, and PA. Results prior to the Index s actual existence on August 24, 2017, are simulated and based on back-testing. The results obtained from such back-testing should not be considered indicative of the actual results that might be obtained from an investment in the Index. The actual performance of the Index may vary significantly from these results obtained from back-testing. ** Available upon death, surrender, or annuitization, less any withdrawals, surrender charges, and applicable premium tax. AF1273v0518_LMG (05/18) FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS.

6 Carrier Features Reliable Living Plan TM LTCI Quick Reference , Ext As of 6/28/2018 Monthly Benefits Eligibility Rider Return of Underwritten by Americo Life and Annuity Kansas City, MO (Excellent) for financial strength. 3rd highest of 15 5/22/2018 Reliable Living Plan TM single-premium, immediate-need long-term care insurance (LTCI)* Accepts non-qualified funds. Source of Funds Cash, savings, CDs. Brokerage accounts Exchange from annuities or life insurance. : 65. No maximum age limit. Designed for people who are already experiencing a qualifying chronic illness or severe cognitive impairment. Provides lifetime benefits as long as eligibility requirements are met. Individually underwritten. No elimination period. No pre-existing health condition limitations.** No receipts required. Tax-free distributions. Funded by a single lump-sum premium no ongoing premium commitment. Qualified services include home health care, adult day care, assisted living community, nursing home, or memory care center. Benefits are portable. They follow the insured throughout the continuum of care. Simple and fast online application and underwriting process. Policy cannot lapse. When funded by existing annuity or life insurance via 1035 Exchange, converts potentially taxable gains into tax-free benefits. Reliable Living Plan TM provides monthly benefits that continue for life as long as the insured remains eligible. Benefits begin after the 30-day free-look period. Monthly Benefit Amounts $1,000 minimum. $12,000 maximum. The lump-sum premium amount and client s overall health condition at the time of application determine the monthly benefit. Policy Issue** To be eligible for issue, the client must: Be 65 years old or older. Have been certified in the last 12 months as chronically ill as a result of: o The inability to perform at least two of six ADLs, or o A severe cognitive impairment such as Alzheimer s or dementia (POA documents required to complete transaction). Examples of clients not to pursue: Clients receiving hospice or end-of-life care. Clients diagnosed with a terminal illness or certified by a doctor to have fewer than 18 months to live. Clients qualified for Medicaid or Medi-Cal benefits. Benefits To begin receiving benefits after the 30-day free-look period, the client must: Receive qualified long-term care services in the United, pursuant to a Plan of Care issued by a licensed health practitioner. Provide Proof of Loss (includes a Certification of Chronic Illness and a Confirmation of Receipt of Services). o If Proof of Loss is provided at time of policy application, benefits will be payable within 30 days of the policy issuance date. Continuing Benefits To be eligible to continue receiving monthly benefits, the client must: Remain chronically ill. Continue receiving qualified care services. Provide Proof of Loss annually. If the client recovers, monthly benefit payments will be suspended until the client is recertified as chronically ill. Purchase Option Rider The Purchase Option Rider is an optional rider, purchased at policy issue, that provides inflation protection without additional underwriting. Provides an opportunity to increase the amount of benefits on every third policy anniversary. Increases monthly benefit amounts by 5% compounded annually for three years. Each time clients choose to purchase additional benefits, they will be charged an Additional Benefits. If client chooses not to purchase additional benefits for any three-year period, the rider will be terminated. Refer to rider for details. Note: It is generally more advantageous for the insured to buy an additional policy than to buy the Purchase Option Rider. In the event of death within six months of the policy effective date, the premium less premium tax and prior benefits paid is refunded. No return of premium or death benefit will be paid upon death after the six-month period. 5.00% s are based on the date the application is submitted within the Quote & Enrollment System (Q/E). Chargebacks There will be a chargeback of 100% for cancellation or death during the 30-day free-look period. Schedule for details. AK, AL, CO, IA, ID, IL, KS, KY, LA, MA, MD, MI, MO, MS, NC, NE, NH, NM, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, The Reliable Living Plan TM single premium immediate long-term care insurance policy (Series 600) and Purchase Option Rider (Series 2600) are underwritten by Americo Life and Annuity Kansas City, MO, and may vary in accordance with state laws. distributed by Legacy Marketing Group. and benefits may not be available in all states. Certain restrictions and variations apply. Policy and rider have limitations and exclusions. For costs and complete details of the coverage, call the company. Legacy Marketing Group is an independent, authorized agency of Americo. Americo Life and Annuity Company is authorized to conduct long-term care insurance business in the District of Columbia and all states except CT, ME, NY, and VT. * Subject to state availability. Certain restrictions may apply. Check current State Approval Matrix. ** Americo reserves the right to decline any application where it is determined that it may not be suitable for the client. AF1267v (07/18) FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS. The Reliable Living Plan TM is intended to be a federally tax-qualified long-term care insurance contract under IRC 7702B. Under current IRS rules, benefit amounts that are in excess of the greater of (1) the stated per diem dollar amount allowable under section 7702B or (2) the actual dollar amount of qualified long-term care expenses, are taxable.

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