Three Legacies. One Future. . .
{Yours Strength. Trust. Growth. These three principles work together as the foundation of an organization that operates from a position of financial strength and integrity; leverages that strength to earn the trust of our members, policyholders, customers, associates, financial professionals and business partners; and creates the kind of growth that enables our companies to keep the promises they make. Our growth then invigorates our strength and the cycle begins again. UNIFI Mutual Holding Company is a family of businesses—known as UNIFI Companies—that offers a wide range of insurance and financial products and services to individuals, families and businesses. These products and services include life insurance; annuities; individual disability insurance; group dental, eye care and hearing care insurance; retirement plans; investments; mutual funds; asset management; banking and public finance. Our commitment to your future goes beyond financial and physical protection and vitality. At UNIFI Mutual Holding Company, mutuality is part of our history and an everyday commitment to establish and maintain long-term customer relationships. This mutual focus allows us to develop long-term strategies and make decisions benefiting our customers for decades into the future. Being a mutual organization is the best way we know to show you that when we say we’re committed to your future, we mean it.
{ what we do
UNIFI Companies is comprised of diversified businesses that enable a single mission for UNIFI—to protect and enhance the financial security and quality of life of individuals, families and businesses through insurance and financial products and services.
UNIFI Individual and Retirement Plans
Summit Investment Partners, Inc. (Summit)
Securing dreams through personalized insurance and financial solutions.
Providing clients superior investment products, services and returns.
Ameritas Group Helping create beautiful smiles, putting life into focus, improving listening and promoting good health by providing innovative and value-added benefit and service solutions.
Calvert Group, Ltd. (Calvert) Helping investors reach their financial goals in ways consistent with their values and beliefs.
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Acacia Federal Savings Bank (AFSB) Offering high-quality banking products while realizing the greatest benefit to our customers and the communities we serve.
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protection } “In today’s world, honesty is big. It’s not easy to put your trust in somebody. You need to trust your financial professional, the product and the company that stands behind them. It means a lot to have them helping you, watching over your shoulder.” Jacob Navarra Watertown, New York Life Insurance Client
Life Insurance
Disability Insurance
Life insurance protects loved ones against the uncertainties of life and is the foundation of most sound financial plans. Combined with annuities, investments, retirement and estate planning, life insurance provides the financial peace of mind for families and businesses.
The ability to earn an income is most people’s most valuable asset. Disability insurance protects against the risk of becoming hurt or too sick to work by providing cash that can be used to pay for the everyday expenses of life at exactly the time it is needed—when a person is unable to work and the usual paycheck stops.
Within UNIFI Companies, we offer an array of life insurance products and services by Ameritas Life, Acacia Life, Union Central Life and First Ameritas Life Insurance Corp. of New York. Products from UNIFI’s life insurance companies can be tailored to meet most any need, whether the financial goals include: • life insurance protection, asset accumulation or the smooth transfer of assets offered by variable universal life insurance;
In addition to protecting personal income, our products provide cash for ongoing business expenses when an owner’s disability disrupts normal business operations. This is made possible through products like individual non-cancelable disability insurance and home provider policies, guaranteed renewable disability insurance, disability overhead expense insurance and employer-sponsored multi-life plans.
• protection for a specific goal or period of time with term life insurance; • the guarantees of whole life insurance; • insurance for two lives in a single policy with survivorship life insurance; • or the flexible premium options of universal life. What’s more, our professional financial representatives have a wealth of experience, tools and other resources at their disposal to customize an insurance and financial plan that helps achieve nearly any dream and goal.
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Pat Raybould President, B&R Stores, Inc. Lincoln, Nebraska Retirement Plans Client
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Retirement Plans
Annuities
For small- and medium-sized organizations looking to attract the best employees with competitive benefits, or that just want to do more for those employees working with them today, UNIFI Companies Retirement Plans can help. We tailor each retirement plan to help move our clients toward their goals and support them with awardwinning service and an investment platform that will help ensure employees are meeting their financial goals as well.
With their tax-deferral benefits, annuities can be a valuable component of a retirement income plan. Annuities are investments that provide fixed or variable payments to the investor over a set period of time. Only annuities can provide a guaranteed retirement paycheck that cannot be outlived, along with a host of other benefits, and ensure retirement assets remain intact when needed most.
{ Accumulation “It’s extremely important for our associates to deal with a large, stable company when it comes to their retirement plan. We’re relying on Ameritas to be there the day the associate signs up for the 401(k) plan, and to be there the day that associate retires.”
Whatever an organization needs, UNIFI Companies Retirement Plans can design traditional plans like a 401(k), safe harbor 401(k) or personal plans; more complex plans such as age-weighted, new comparability or multi-employer plans; or meet more distinctive design needs through governmental 401(a), 457, 414(h) or cash balance plans. In addition, our clients get personalization and a trusted relationship built to last for decades. UNIFI Companies Retirement Plans is an affiliation of Ameritas Life Insurance Corp. and The Union Central Life Insurance Company’s retirement plans divisions. These divisions maintain a customer persistency rate of more than 90 percent, and allow clients personal access to key decision-makers. More importantly, they combine resources to tailor-make plans that meet today’s needs with an eye toward tomorrow.
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Our insurance companies offer a select array of products, including fixed, indexed and variable annuities, to provide multiple choices for the varying retirement needs of our clients. We don’t take a one-sizefits-all approach, but offer a variety of products and optional living benefits to meet the needs of virtually any annuity customer who desires growth, protection and retirement income. Our annuity products are supported by unmatched customer service, as well as financial strength that helps our customers meet today’s needs and ensures we can keep the promises of our annuity products well into the future.
{ For Ameritas Group, our story is about more than just providing quality ancillary benefits to businesses and organizations of all sizes. It’s about protecting the smiles, sights and sounds of a lifetime. When employers choose Ameritas Group as their benefits carrier, they have access to the dental, eye care and hearing care coverage they need to be an employer of choice. For employers, the right mix of benefits can help recruit, retain and reward employees for years to come. For employees, the right benefits can help them take better care of themselves and their families. Routine dental exams can be instrumental in the early detection of serious diseases, such as diabetes, hypertension, osteoporosis and even cancer. And emerging research shows a strong connection between poor oral health and systemic disease, making dental exams an integral part of maintaining one’s overall health. Routine eye exams also can detect early signs of disease as well as poor vision and the onset of glaucoma or cataracts. Regular hearing exams can detect and help people take steps to prevent further hearing loss. But that’s just the beginning. In addition to exams, our plans can cover a wide array of dental procedures ranging from fillings and crowns to dental implants and teeth bleaching; eyeglasses, contact lenses and laser vision correction; and hearing aids and maintenance. We also offer one of the largest participating provider organization dental networks in the nation, as well as access to two of the country’s leading eye care provider networks. To meet the needs of a changing workforce, Ameritas Group continually develops new products, such as Dental Rewards® and FUSION: The Ultimate Choice®. Both products were industry firsts.
Group Dental, Eye Care } and Hearing Care “We value the relationship with Ameritas. It’s about trust, honesty and the mutual desire to honor each other’s business objectives. And we truly like each other. We have fun doing business together.” Karen Yip – VSP Sacramento, California Partner of Ameritas Group Dental Rewards allows qualifying plan members to carry over an unused portion of their annual maximum benefit to use toward future dental needs. The concept rewards those who practice good dental hygiene, visit their dentist regularly and generally use little of their annual maximum benefit. FUSION offers both dental and eye care benefits in one plan, so members have complete control to apply benefits where they need them most. It’s our mission to deliver innovative products and services while operating in the best interests of our customers. Ameritas Group maintains offices nationwide, so our sales representatives can deliver the personal service that builds trust and nurtures long-term relationships. We offer 24/7 online access so members can view their benefit information any time, day or night. Our award-winning customer call center serves members with expert claims knowledge, extended hours and multilingual capabilities. And we’ve implemented a variety of electronic statements not only because they’re fast, but also to conserve paper and lessen our impact on the environment. In addition to our members, who are at the heart of everything we do, Ameritas Group also partners with top industry leaders, insurance carriers, third-party administrators and professional organizations. Ameritas Group leverages the strength of the mutual holding company to maintain a leadership position as an innovator of new group products and services. Our larger scale as a UNIFI company creates opportunities for enhanced distribution, a more diverse product portfolio and more opportunities for growth—all while operating at the highest levels of efficiency.
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{ Investments “The same characteristics that we see in our financial professional flow through Ameritas Investment Corp. What we sense is a devotion to their customers, accessibility and an ease with which you can work.” Steve and Mary Pat Byrnes Minneapolis, Minnesota Client of Ameritas Investment Corp.
Ameritas Investment Corp. (AIC) provides a full spectrum of investment products backed by outstanding service and the latest research—whether you work with an in-house representative or through one of our trusted registered representatives across the country. Our commitment to strong partnerships has ranked AIC among the nation’s top independent broker dealers. AIC connects investors with an array of products, services and reporting options to help meet your unique financial needs and investment priorities. Our diverse selection of quality investment
{ opportunities includes mutual funds, stocks, municipal bonds, fixed income securities, 529 plans, variable products, asset management programs and alternative investments. As well as the financial strength and broad array of resources offered by UNIFI Companies, AIC benefits as a UNIFI company by being able to offer our professional financial representatives and their clients mutual funds, managed accounts, variable insurance and retirement plans products.
Public Finance } “AIC’s knowledge and loyalty have been outstanding. They’ve been great to work with.” Mayor James Blinn City of Papillion, Nebraska Client of AIC Public Finance Division
AIC’s public finance professionals provide financing solutions to fund public improvements. Their knowledge in bond underwriting and marketing helps community leaders raise the necessary capital through bond issues to enhance the quality of life in Nebraska communities, as well as those in neighboring states.
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Clients include government and not-for-profit organizations, such as school and utility districts, counties, colleges and universities, health care networks, municipalities and sanitary improvement districts. AIC’s Public Finance Division is Nebraska’s leader in bond issues and a recognized leader in helping improve Nebraska communities.
mutual funds } “When we compared socially responsible investing with more traditional investing—one with a more bottom-line approach—we found there was no difference in the results. In some cases, the socially responsible investment approach may be more productive and safer.” Bill Howell Nashville, Tennessee Client of Calvert Group, Ltd.
For more than 30 years Calvert has been committed to helping our clients achieve their financial goals. Through a combination of rigorous analysis and independent thinking, our disciplined approach to money management goes beyond traditional factors in identifying investment opportunities that meet our clients’ need for performance and risk management. Calvert offers a full complement of equity, fixed income and money market products, providing individual investors, financial advisors and institutional investors with the opportunity to gain exposure to diverse market sectors and investment strategies. Because we offer internal and external asset management expertise, our investors benefit from broad and varied views of the domestic and international markets as well as a diverse range of investment research expertise.
Calvert is a recognized industry leader in sustainable and responsible investments (SRI), offering investors among the widest choices of SRI strategies of any investment company in the United States. Supported by the excellence of our internal team of dedicated analysts, with expertise in such areas as corporate governance, the environment and human rights, we are able to manage our investors’ money in ways that are consistent with their values and that offer opportunities to add value to traditional financial analysis. Our products and services are supported by an exceptional group of dedicated sales and client services associates, whose goal is to exceed our clients’ expectations. We accomplish this goal by a commitment to transparency and directness, ultimately making it easier for our clients to invest with us.
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{ Asset Management “We have a lot of comfort and confidence in Summit. They understand who we are, not only in respect to our pension plan and what we need to accomplish. They also understand our vision and support United Way in the community.” Yvonne Gray Executive Director, United Way of Greater Cincinnati Cincinnati, Ohio Client of Summit Investment Partners, Inc.
Summit Investment Partners, Inc. (Summit) is a substantial investment operation because of the assets we’ve been entrusted to manage by both UNIFI Companies and our private investment clients. Summit offers a broad selection of investment products in a variety of classes, managed by an experienced team of financial professionals. Our experience is built on a foundation of unmatched personal service and individual integrity. As the asset manager for Ameritas Life, Acacia Life, Union Central Life and other affiliated entities, along with our institutional and high net
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worth clients, Summit is singularly positioned to help many of UNIFI’s businesses create unique, innovative and competitive investment products to meet the changing needs of the marketplace. By partnering with Summit, all of our clients are able to expand the investment styles and products they offer, while also utilizing our asset management expertise to complement their own. What’s more, as a part of UNIFI we are able to be more efficient, competitive and stable, and benefit through improved economies of scale.
BANKING } “Acacia Federal was there for me when I thought no one could help me. They did what they said they were going to do. They made a promise and they kept that promise. And they made my dream (of owning a home) come true.� Lizeth Lanchipa-Flores Falls Church, Virginia Client of Acacia Federal Savings Bank
Acacia Federal Savings Bank (Acacia Federal) combines decades of experience and an emphasis on customer service to provide quality banking products to individuals and businesses. A thrift institution operating from its headquarters in Falls Church, Virginia since 1985, Acacia Federal offers construction, commercial and commercial real estate loans to businesses in the Washington, D.C. metro area. Home mortgages are available to individuals in a wide area of the mid-Atlantic.
Well-priced deposit products, including checking, savings, certificates of deposit and money market accounts, are available to individuals and businesses in the local Washington, D.C. market and nationwide through online banking and the extensive network of financial representatives across the UNIFI enterprise. As an affiliate of UNIFI Companies and a member of the community, Acacia Federal is committed to service, financial stability, integrity, professionalism and good corporate citizenship.
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{ UNIFI Mission Protect and enhance the financial security and quality of life of individuals, families and businesses through insurance and financial products and services. UNIFI Companies operates in the long-term best interest of our members with the overriding objectives of financial strength, stability and service through a mutual company philosophy. Our companies maintain their brand identity and heritage while combining their financial strength and sharing resources.
Mutual. Strong. Trusted.
Our Commitment to You.
UNIFI’s commitment to its customers is brought to life in everything from the smallest deeds to the very values and corporate structure under which we operate. Mutual is not just part of our name — it’s how we choose to do business. It’s the best way to ensure the shared interests of our customers and companies are clearly defined and closely aligned. Mutuality is part of our history. It allows us to develop long-term strategies and ensures the best decisions are the ones that benefit our customers for decades into the future.
The products and services provided by the businesses of UNIFI Companies only work when trust is at the heart of the relationship our members and customers have with their financial and insurance advisors, and the advisors have with UNIFI. Open and honest communication builds trust — and is the reason we published our commitments here. These commitments are more than the promise our associates make to each other and to those they serve. These are the values, when combined with our products as services, which enable us to move confidently toward achieving our mission: • Operate in the best interest of our members • Operate with integrity and the highest ethical standards • Deliver value to our customers • Earn trusted relationships with our distribution partners • Ensure that all associates have meaningful work • Act with financial discipline • Maintain a presence in the communities where we work and conduct business • Keep our promises
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Bankers Life’s first office was located in one room of the Richards Block on the northeast corner of 11th and O Streets in Lincoln.
Ameritas Life Insurance Corp. 1887 Old Line Bankers Life Insurance Company of Nebraska is formed 1938 Begins transformation from a stock company to a mutual company 1988 Changes name to Ameritas Life Insurance Corp. 1998 Forms a mutual holding company (Ameritas Mutual Insurance Holding Company) 1999 Merges with Acacia’s mutual holding company to establish The Ameritas Acacia Companies 2006 Ameritas Acacia Mutual Holding Company merges with Union Central Mutual Holding Company and is renamed UNIFI Mutual Holding Company (UNIFI Companies)
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{ our history Ameritas Life
The Early Years In 1887, there were no local insurance companies in Lincoln, Nebraska. Five businessmen saw that as an opportunity, and on April 6, 1887, Old Line Bankers Life Insurance Company of Nebraska (Bankers Life) was formed.
In 1988, Bankers Life changed its name to Ameritas Life Insurance Corp. (Ameritas) to reflect its broad product line and national scope. The American bison was chosen as the new logo. A widely recognized image, it suggests strength and represents a Midwestern heritage and work ethic.
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Ameritas Life headquarters in Lincoln, Neb.
In 1998, Ameritas Mutual Insurance Holding Company was formed, then merged in 1999 with Acacia Mutual Holding Corporation to form Ameritas Acacia Mutual Holding Company (The Ameritas Acacia Companies)—the first ever merger of two mutual holding companies. In 2006, Ameritas Acacia Mutual Holding Company merged with Union Central Mutual Holding Company and was renamed UNIFI Mutual Holding Company (UNIFI Companies).
bankers life grew to One of the 100 largest
insurance companies with operations extending to both coasts during the first half of the 1900s. By the 1950s, it outgrew its downtown home office and purchased 17 acres for a new home office location, which was completed in 1959.
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During the first half of the 20th century, Bankers Life grew from a small company serving a limited Midwest clientele to one of the nation’s 100 largest insurance companies with operations extending to both coasts. By the 1950s, Bankers Life had outgrown its home office and purchased 17 acres for a new home office location, which was completed in 1959. In the 1980s and 1990s, subsidiaries were formed to offer and underwrite variable insurance products; security and investment products; and dental insurance, individual and lowload life insurance and annuity products in New York.
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Acacia Life began service on March 3, 1869, when President Andrew Johnson signed a Congressional act, which chartered the Masonic Mutual Relief Association.
Acacia Life Insurance Company 1869 Masonic Mutual Relief Association is formed by Act of Congress 1922 Changes name to Acacia Mutual Life Association 1932 Name changes to Acacia Mutual Life Insurance Company 1997 Forms a mutual holding company (Acacia Mutual Holding Corporation) 1999 Merges with Ameritas’ mutual holding company to establish The Ameritas Acacia Companies 2006 Ameritas Acacia Mutual Holding Company merges with Union Central Mutual Holding Company and is renamed UNIFI Mutual Holding Company (UNIFI Companies)
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{ our history Acacia Life
The Early Years Acacia Life began service on March 3, 1869, when President Andrew Johnson signed a Congressional act, which chartered the Masonic Mutual Relief Association. The company was created to provide death benefits to widows and orphans of masons. During its first month in business, the company collected $21.70 in “membership fees,” paying its first claim of $204 in December 1869.
Acacia continued its growth for decades. But in response to clients’ needs for a more full-service financial organization, Acacia purchased Calvert Group, Ltd. (Calvert) in 1984. Today, Calvert is a leader in fixed income and sustainable and responsible investing. In 1985, the company received Congressional approval for the creation of Acacia Federal Savings Bank.
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Acacia Life headquarters in Bethesda, Md.
In 1997, Acacia Mutual Holding Corporation was formed. In 1999, Acacia Mutual Holding Corporation merged with Ameritas Mutual Insurance Holding Company to form Ameritas Acacia Mutual Holding Company (The Ameritas Acacia Companies). In 2006, Ameritas Acacia Mutual Holding Company merged with Union Central Mutual Holding Company and was renamed UNIFI Mutual Holding Company (UNIFI Companies).
Acacia Life began service In 1869 when U.S.
President Andrew Johnson signed a Congressional act, which chartered the Masonic Mutual Relief Association. In 1922, the company changed its name to Acacia Mutual Life Association, borrowing the symbol of immortality from the acacia tree.
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In 1922, the company changed its name to Acacia Mutual Life Association, borrowing the symbol of immortality from the acacia tree. In 1932, the name changed to Acacia Mutual Life Insurance Company (Acacia) and began selling its products to more than just masons. During the World War II era, Acacia liberalized the “war clauses” on most of its life policies, earning it the moniker, the “Serviceman’s Company.”
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Founded in 1867, The Union Central Life Insurance Company was the first life insurance company chartered in the state of Ohio.
The Union Central Life Insurance Company 1867 The Union Central Life Insurance Company is founded and is named “Union” after brave Civil War soldiers and “Central” because of its location in the center of the nation 2006 Forms a mutual holding company (Union Central Mutual Holding Company) 2006 Union Central Mutual Holding Company merges with Ameritas Acacia Mutual Holding Company and is renamed UNIFI Mutual Holding Company (UNIFI Companies)
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{ our history Union Central Life
Photo by Phillip C. Reed
The Early Years Founded in 1867, The Union Central Life Insurance Company was the first life insurance company chartered in the state of Ohio. Dr. John Pascal Paoli Peck, a physician turned businessman, started the company with his own funds and stock capitalization from the leaders of thriving Cincinnati businesses, including W.A. Procter and James Gamble of Procter and Gamble. Dr. Peck chose the company’s name in recognition of the newly preserved Union and the company’s central geographic location within the United States at that time. Union Central Life headquarters in Cincinnati, Ohio
During the Great Depression, the company was able to pay claims and policy cash surrenders without delay, further strengthening its reputation for reliability. Expanding business following World War II prompted a move to a spacious new campus in Cincinnati’s Forest Park suburb in 1964.
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In the following decades, the company responded to increasing demand for an expanded portfolio of financial products and services. A broker dealer was created in the 1980s, and the focus of the 1990s was bringing leading-edge products to market swiftly, such as variable universal life and second-to-die life insurance. On January 1, 2006, Union Central formed a mutual holding company and in turn merged with Ameritas Acacia Mutual Holding Company, which was renamed UNIFI Mutual Holding Company (UNIFI Companies).
Completed in 1913, the Company’s downtown
headquarters remains a signature of the Cincinnati skyline. Expanding business following World War II prompted a move to a spacious new campus in Cincinnati’s Forest Park suburb in 1964.
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The booming businesses and population of the Ohio River Valley were its first clientele. The prosperous years of the industrial revolution saw Union Central expand its field force across the nation. Further growth could be seen in the company’s new headquarters in downtown Cincinnati. Completed in 1913, the white column-topped tower remains a signature of the Cincinnati skyline.
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{ UNIFI Companies At a Glance
Individual Businesses
Products and Services*
• Variable universal life insurance • Term life insurance • Whole life insurance • Secondary guarantee universal life insurance • Survivor universal life insurance • Indexed universal life insurance • Universal life insurance • Traditional, variable and indexed annuities • Disability income insurance • Business, financial and estate planning
Retirement Plans CORPORATE AND NOT-FOR-PROFIT BUSINESSES • 401(k) Plans • Safe Harbor 401(k) Plans • Sole Proprietor 401(k) Plans • Profit Sharing • Money Purchase Pension Plans • New Comparability Plans • Defined Benefit Plans • Cash Balance Plans GOVERNMENTAL EMPLOYERS • 414(h) Governmental Pick-up Plans • 457(b) Governmental Plans
Group Business DENTAL PLANS • Tailored Indemnity • Value Source® • EssentialDental® • Dental Rewards® • Voluntary • Managed Care/ PPO Network • Small Group Trust • High/Low, Core/Buy-up • Dual Choice • Administrative Services Only • Individual Programs • Orthodontia, Cosmetic • $ensible Choice®
EYE CARE PLANS • Vision Perfect® • Focus® • ViewPointe® • Voluntary • Exam or Materials Only • High/Low, Core/Buy-up • EyeChoice® • Vision Perfect Choice • Lasik Advantage® hearing CARE PLANS • SoundCareSM
DENTAL AND EYE CARE COMBINED • FUSION: The Ultimate Choice®
Distribution
• General Agencies • Independent representatives • Disability income centers • Fee-only advisors • Brokerage General Agencies
• General Agencies • Independent representatives • Strategic Alliances • Employee benefit specialists • Independent broker dealers • Third-party administrators
• Group representatives • National Accounts • Independent representatives • Brokers/producers • Third-party administrators • Strategic Alliances • Special Marketing Alliances • E-business
Companies, Divisions and Contact Information
• Ameritas Life Insurance Corp. ameritas.com 800-745-1112 variable.ameritas.com 800-634-8353 • Acacia Life Insurance Company acaciagroup.com 800-444-1889 • The Union Central Life Insurance Company unioncentral.com 800-825-1551 • First Ameritas Life Insurance Corp. of New York newyork.ameritas.com 800-222-6968
unifi companies retirement plans • Ameritas Retirement Plans, a division of Ameritas Life Insurance Corp. retire.UNIFIcompanies.com 800-923-2732 • Union Central Retirement Plans, a division of The Union Central Life Insurance Company retire.UNIFIcompanies.com 800-825-4546
• Ameritas Group, a division of Ameritas Life Insurance Corp. ameritasgroup.com 800-776-9446 • First Ameritas Life Insurance Corp. of New York firstameritasgroup.com 800-201-8562
Individual life insurance products are offered through Ameritas Life Insurance Corp., Acacia Life Insurance Company, The Union Central Life Insurance Company and First Ameritas Life Insurance Corp. of New York. Group annuity plans are offered through Ameritas Life Insurance Corp. and The Union Central Life Insurance Company. Variable life insurance and annuity products are issued by Ameritas Life Insurance Corp. and The Union Central Life Insurance Company and underwritten by affiliate Ameritas Investment Corp. Each UNIFI company is solely responsible for its own financial condition and contractual obligations.
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UNIFI Companies Retirement Plans is an affiliation of Ameritas Life Insurance Corp. and The Union Central Life Insurance Company’s retirement plans divisions. These companies represent the retirement plans products and services of UNIFI Companies.
investments
mutual funds
banking
public finance
• Stocks and ETFs • Municipal and corporate bonds • Fixed income securities • Managed Accounts • Asset management • Variable universal life insurance • Variable annuities • Retirement plan products • Mutual funds • Corporate cash management • Separate Account management • College savings plans • Financial planning • Commercial loans • Real estate • Structured products • Unit investment trusts • Trust services • Retirement income strategies • Donor advised fund
• Equity, bond and money market funds, including sustainable and responsible strategies • Asset allocation funds including target risk and lifestyle strategies • Pension and retirement plan investment options • Sub-advisory services • Insurance trusts
• Checking and savings accounts • Certificates of deposit • Money Market accounts • Health Savings Accounts • Internet banking – retail and commercial • Consumer loans • Home mortgage loans • Construction loans • Commercial real estate loans • Commercial business loans
• Broker dealers • Registered representatives • Investment advisor representatives • Financial planners/consultants • Bank/financial institution investment representatives
• Broker dealers • Registered Investment Advisors • Financial planners/consultants • Defined contribution benefit plans • Retirement alliances and platforms • High net worth individuals, foundations, endowments • Banks and financial institutions • Insurance companies • Fund supermarkets
• Acacia Federal Savings Bank representatives • Ameritas Investment Corp. representatives and loan officers • Registered representatives/advisors • Independent representatives
• Ameritas Investment Corp. aicinvest.com 800-335-9858 • Calvert Group, Ltd. calvert.com 800-327-2109 • Summit Investment Partners summitinvestmentpartners.com Cincinnati – 877-546-3863 Lincoln – 877-731-3336
• Calvert Group, Ltd. calvert.com 800-368-2748
• Acacia Federal Savings Bank afsbonline.com 800-950-0236
Calvert mutual funds and Summit mutual funds are underwritten and distributed by Calvert Distributors, Inc., member FINRA, a subsidiary of Calvert Group, Ltd. Banking products are offered through Acacia Federal Savings Bank, member FDIC, an equal housing lender. Investment advisory services are offered through Summit Investment Advisors, Inc. Municipal bond underwriting is provided by Ameritas Investment Corp.
• Financial advisory • General obligation bonds • Revenue bonds • Tax anticipation notes • Bond anticipation notes • Construction notes • Refunding bonds • Lease-purchase obligation • Investment of bond proceeds
• Ameritas Investment Corp., Public Finance Division aicinvest.com Lincoln – 877-523-6198 Omaha – 800-700-2362
Summit Investment Advisors, Inc.,SM Ameritas Investment Corp.SM and Pathmark Administrators, Inc.SM are service marks of Ameritas Life Insurance Corp. First Ameritas Life Insurance Corp. of New York is a registered service mark owned by First Ameritas Life Insurance Corp. of New York. Acacia Financial Corporation and Acacia Realty Corp. are service marks of Acacia Life Insurance Company. The Calvert Group is a service mark of The Calvert Group, Ltd., an indirect wholly owned subsidiary of Acacia Life Insurance Company. Acacia Federal Savings Bank is a service mark of Acacia Federal Savings Bank, an indirect wholly owned subsidiary of Acacia Life Insurance Company.
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{ UNIFI COMPANIES Contact information
INDIVIDUAL BUSINESS Ameritas Life Insurance Corp. 5900 O Street Lincoln, NE 68510 800-745-1112 ameritas.com variable.ameritas.com
GROUP BUSINESS Ameritas Group, a division of Ameritas Life 475 Fallbrook Blvd. Lincoln, NE 68521 800-776-9446 ameritasgroup.com
Acacia Life Insurance Company 7315 Wisconsin Avenue Bethesda, MD 20814 800-444-1889 acaciagroup.com
First Ameritas Life Insurance Corp. of New York 400 Rella Blvd., Suite 304 Suffern, NY 10901 800-201-8562 firstameritasgroup.com
The Union Central Life Insurance Company 1876 Waycross Road Cincinnati, Ohio 45240 800-825-1551 unioncentral.com First Ameritas Life Insurance Corp. of New York 400 Rella Blvd., Suite 304 Suffern, NY 10901 800-222-6968 newyork.ameritas.com RETIREMENT PLANS UNIFI Companies Retirement Plans Ameritas Retirement Plans, a division of Ameritas Life 5900 O Street Lincoln, NE 68510 800-923-2732 retire.UNIFIcompanies.com Union Central Retirement Plans, a division of Union Central Life 1876 Waycross Road Cincinnati, Ohio 45240 800-825-4546 retire.UNIFIcompanies.com
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INVESTMENTS Ameritas Investment Corp. 5900 O Street Lincoln, NE 68510 800-335-9858 aicinvest.com Calvert Group, Ltd. 4550 Montgomery Ave., Suite 1000N Bethesda, MD 20814 800-327-2109 calvert.com Summit Investment Partners, Inc. 390 N. Cotner Blvd. Lincoln, NE 68505 877-731-3336 312 Walnut Street, Suite 2500 Cincinnati, Ohio 45202 877-546-3863 summitinvestmentpartners.com
BANKING Acacia Federal Savings Bank 7600 Leesburg Pike, East Building, Suite 200 Falls Church, VA 22043 800-950-0270 afsbonline.com MUTUAL FUNDS Calvert Group, Ltd. 4550 Montgomery Ave., Suite 1000N Bethesda, MD 20814 800-368-2748 calvert.com PUBLIC FINANCE Ameritas Investment Corp., Public Finance Division 5900 O Street Lincoln, NE 68510 877-523-6198 – Lincoln 800-700-2362 – Omaha aicinvest.com
Ameritas Life Insurance Corp. 5900 O Street Lincoln, Nebraska 68510 402-467-1122 Toll Free: 800-745-1112
Acacia Life Insurance Company 7315 Wisconsin Avenue Bethesda, Maryland 20814 301-280-1000 Toll Free: 800-444-1889
The Union Central Life Insurance Company 1876 Waycross Road Cincinnati, Ohio 45240 513-595-2200 Toll Free: 800-825-1551
Approved for client use. UN 1179 2/09
Š2009 UNIFI Mutual Holding Company