For agent information only. Not for solicitation or advertising to the public. Availability of product, product features and benefits may vary by state

For agent information only. Not for solicitation or advertising to the public. Availability of product, product features and benefits may vary by state. 06-2411For agent information only. Not for solicitation or advertising to the public. 06-2411


For agent information only. Not for solicitation or advertising to the public. Availability of product, product features and benefits may vary by state. 06-2411

Expanded Target Market

- Baby Boomers

- 401(k) Rollover

- Pre-Retirees


New Products

-IncomeFive -IncomeSeven-IncomeTen-IncomePlus

-The surrender charge equals the name, IncomePlus is a 10 year surrender charge.

For agent information only. Not for solicitation or advertising to the public. 06-2411


Fresh New Look

For agent information only. Not for solicitation or advertising to the public. 06-2411


New Enhanced Website

multichoiceannuity.com


NEW Point of SaleConsumer CD Presentation


Top 10 Product Features

#10 10% Income Bonus on 10-Year products* # 9 Issue Ages to 83 on 10-Year products# 8 Participation Rate Only Strategy# 7 20% Home Health Care Waiver

*If owner elects to begin receiving income payments under the Guaranteed Purchase Option


Product Features

# 6 100% Terminal Illness Waiver

# 5 100% Nursing Home Waiver

# 4 10% Free Withdrawal in Year One

# 3 Checkbook Access in Year One

# 2 20% Cumulative Withdrawal


Product Features

# 1 Optional LifetimePaySM Withdrawal Benefit


Perhaps the most client friendly Fixed Indexed Annuity Series available in the market.


Liquidity Options

10% Free Withdrawal beginning in Year 120% Cumulative Withdrawal if withdrawal was not taken in the previous contract year (not available on Income Ten) Early Income Option SPIA conversion option after year 1*Next Generation LifetimePaySM Withdrawal Benefit (more info later)*By company practice; subject to limitations

NOTE: Withdrawal Charges and Market Value Adjustments are imposed retroactively if the contract is surrendered within 12 months of a withdrawal (MVA not applicable to IncomeTen). Withdrawals may be taxable, may be subject to an IRS tax penalty, and may forfeit potential interest credits.

Checkbook Access beginning in Year 1


Death Benefit

Full Contract Value Upon Death of Annuitant for All Ages

No Commission Chargeback Upon Death


Issue Ages and Premium Bonus

Owner/Annuitant First YearAges Premium Bonus

IncomeFive 0 - 85 NAIncomeSeven 0 - 85 NAIncomeTen 0 - 83 NAIncomePlus 0 - 83 5%

Note: Maximum issue ages may vary by state.


Withdrawal Charge Schedule

Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10

IncomeFive 8% 7% 6% 5% 4% 0%

IncomeSeven 9% 8% 7% 6% 5% 4% 3% 0%

IncomeTen10% 9% 8% 7% 6% 5% 4% 3% 2% 1%

IncomePlus 16% 15% 14% 13% 12% 11% 10% 8% 6% 4%

NOTE: Withdrawal Charges and Market Value Adjustments are imposed retroactively if the contract is surrendered within 12 months of a withdrawal (MVA not applicable to Income Ten). Withdrawals may be taxable, may be subject to an IRS tax penalty, and may forfeit potential interest credits.


Premium Limits

Minimum Initial Premium $10,000Maximum Initial Premium $1,000,000 (without home office approval)

Minimum Additional Premium $1,000

All contracts are Flexible Premium Fixed Indexed Annuities


Contract Guarantees

Cash Surrender ValueMinimum Guaranteed Contract Value – 87.5% of premium accumulated at 1-3% per Year, less any withdrawals accumulated at the same rate. Actual interest rates are set at contract issue and guaranteed for the life of the contract. (Currently 2.45% as of March 1, 2007 on dollars in the indexed bucket)

Accumulated ValueAccumulated Value Floor – Any remaining first year premium and premium bonus accumulated at 1.00% per year, plus any remaining renewal premium.


Contract Guarantees

Cash Surrender ValueMinimum Guaranteed Contract Value – 87.5% of premium accumulated at 1-3% per Year, less any withdrawals accumulated at the same rate. Actual interest rates are set at contract issue and guaranteed for the life of the contract.

(Currently 2.45% as of March 1, 2007 on dollars in the indexed bucket)

Year

Guaranteed Cash

Surrender Value

At Issue $87,500

1 $89,644

2 $91,840

3 $94,090

4 $96395

5 $98,757

6 $101,176

7 $103,655

8 $106,195

9 $108,797

10 $111,462


Accumulated Value Floor Provides an underlying floor that accumulates using 100% of initial premium (plus applicable bonus) at 1.00% per year beginning in Year 1

Contract Guarantees

Year

IncomeFiveIncomeSeven

IncomeTenAccum. Value Floor

IncomePlusAccum. Value Floor

At Issue $100,000 $105,000

1 $101,000 $106,050

2 $102,010 $107,111

3 $103,030 $108,182

4 $104,060 $109,263

5 $105,101 $110,356

6 $106,152 $111,460

7 $107,214 $112,574

8 $108,286 $113,700

9 $109,369 $114,837

10 $110,462 $115,985


Year

Guaranteed Contract

Surrender Value

IncomeFiveIncomeSeven

IncomeTenAccum, Value Floor

IncomePlusAccum. Value Floor

At Issue $87,500 $100,000 $105,000

1 $89,644 $101,000 $106,050

2 $91,840 $102,010 $107,111

3 $94,090 $103,030 $108,182

4 $96,395 $104,060 $109,263

5 $98,757 $105,101 $110,356

6 $101,177 $106,152 $111,460

7 $103,655 $107,214 $112,574

8 $106,195 $108,286 $113,700

9 $108,797 $109,369 $114,837

10 $111,462 $110,462 $115,985

11 $114,193 $111,567 $117,145

12 $116,991 $112,683 $118,317

13 $119,857 $113,809 $119,500

14 $122,794 $114,947 $120,695

15 $125,802 $116,097 $121,902


Interest Crediting Strategies

Fixed Interest Rates, Cap Rates, Participation Rates and Spreads are banded to be even more competitive at $75,000 or greater of initial premium.


6 Interest Crediting Strategies

1 Fixed Strategy (1-Year Guar.)

5 Indexed Strategies1-Year Point-to-Point Participation Index (No Cap)

1-Year Point-to-Point Index

1-Year Uncapped Average Index

1-Year Monthly Cap Index1-Year Average Multiple Index (not available on IncomeFive)

All indexed strategies lock-in and credit any index-linked interest credits each year.


Home Health Care Waiver

Waives withdrawal charges in the event of qualifying home health care.- 20% of Contract Value Available Annually after year 1- Requires Statement from Doctor regarding inability to perform 2 of 5 activities of daily living (ADL’s)- No Age Restrictions; however, other restrictions may apply


Terminal Illness Waiver

Waives withdrawal charges in the event of terminal illness.- 100% of Contract Value Available after Year 1- Requires Statement from Doctor- No Age Restrictions; however, other restrictions may apply


Nursing Home Waiver

Waives withdrawal charges in the event of nursing home confinement.- 100% of Contract Value Available after Year 1

- Requires 60 Consecutive Days of Confinement- No Age Restrictions; however, other restrictions may apply


10% Income Bonus

Guaranteed Purchase Option

Available on IncomeTen and IncomePlus after Year 10

10% of remaining first year premium added to accumulated value if, under this option, the owner elects to begin receiving income payments for a guaranteed period of 10 years or longer or elects a life option


Early Income Options

Years Minimum Payout Period

2-5 10 years or life option

6 and after 5 years or life option

This option requires full or partial surrender of existing contract and purchase of an AmerUs Life SPIA. This option is available only by company practice and may be discontinued or modified at any time.

1x10 or 5x5


Survivor Benefit RiderSales Tool

Guaranteed issue term life insurance rider• NQ $ Only• Tax- free death benefit• Benefit may be used to help offset taxes to beneficiary• Ages 0 – 70 (yrs 2-5 benefit = 40% of interest credited since issue) • Ages 71- 80 (yrs 2-5 benefit = 25% of interest credited since issue) • At 6th contract year, benefit will be based on original cost basis• There is a charge for this rider; the rider must be elected at application and can be terminated.



NEW Point of SaleConsumer CD Presentation

Final\Intro_2.exe


NEWMarketing Package


Marketing

multichoiceannuity.com

877-287-3644


Disclosure

The MultiChoice Annuity Income series [contract forms MCI5 (06/06), MCI7 (06/06), MCI10 (06/06) and MCIP (06/06) or state

variation] and the LifetimePaySM rider [forms MCAIR (06/06) or state variation] is issued by AmerUs Life Insurance Company, Des

Moines, Iowa. Availability may vary by state.

Annuities and other insurance products…Are NOT FDIC insured. Are NOT obligations or deposits of, and are not guaranteed or

underwritten by any bank, savings and loan or credit union or its affiliates. Are subject to investment risks, including interest rate risk, and may experience loss of principal if withdrawals in excess of the

free withdrawal amount are taken during the withdrawal charge period. Are unrelated to and not a condition of the provision or term of any banking service or activity. Additionally, performance by the

annuity issuer is not guaranteed by any bank or its affiliates.

Documents

For agent information only. Not for solicitation or advertising to the public. Availability of product, product features and benefits may vary by state