Ameritas Low-Load VUL	Term Insurance and Mutual Fund Combination
No commissions	May incur commissions
No surrender charges	May incur front or back end charges
No taxes on transfers	May incur taxes on trades
Free transfers among investment options (number may be limited)	May incur fees for fund transfers
Investment limited by IRS guidelines	No investment limits
Automatic portfolio rebalancing and other systematic programs	Manage rebalancing on your own
Coverage for lifetime	Life coverage limited to term period
Potential tax-free access to values	Potential taxes on redemptions
Investment options limited by product	Unlimited choice of funds
Insurance expenses may be higher than term coverage.	Term insurance generally has low costs
Cash value is an excluded asset from the Federal Student Aid form.	Fund values are an included asset for student aid purposes.
Cash values are protected from judgments (in most states).	Fund values can be attached for judgments.