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

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

For agent information only. Not for solicitation or advertising to the public. Availability of product, product features and benefits may vary by state Expanded Target Market - Baby Boomers - 401(k) Rollover - Pre-Retirees

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

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

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

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

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

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

For agent information only. Not for solicitation or advertising to the public. Availability of product, product features and benefits may vary by state Product Features # 1 Optional LifetimePay SM Withdrawal Benefit

For agent information only. Not for solicitation or advertising to the public. Availability of product, product features and benefits may vary by state Perhaps the most client friendly Fixed Indexed Annuity Series available in the market.

For agent information only. Not for solicitation or advertising to the public. Availability of product, product features and benefits may vary by state Liquidity Options 10% Free Withdrawal beginning in Year 1 20% 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 LifetimePay SM 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

For agent information only. Not for solicitation or advertising to the public. Availability of product, product features and benefits may vary by state Death Benefit Full Contract Value Upon Death of Annuitant for All Ages No Commission Chargeback Upon Death

For agent information only. Not for solicitation or advertising to the public. Availability of product, product features and benefits may vary by state Issue Ages and Premium Bonus Owner/Annuitant First Year Ages Premium Bonus IncomeFive NA IncomeSeven NA IncomeTen NA IncomePlus % Note: Maximum issue ages 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 Withdrawal Charge Schedule Year 1Year 2Year 3Year 4Year 5Year 6Year 7Year 8Year 9Year 10 IncomeFive 8%7%6%5%4%0% IncomeSeven 9%8%7%6%5%4%3%0% IncomeTen 10%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.

For agent information only. Not for solicitation or advertising to the public. Availability of product, product features and benefits may vary by state Premium Limits Minimum Initial Premium$10,000 Maximum Initial Premium $1,000,000 (without home office approval) Minimum Additional Premium $1,000 All contracts are Flexible Premium Fixed Indexed Annuities

For agent information only. Not for solicitation or advertising to the public. Availability of product, product features and benefits may vary by state Contract Guarantees Cash Surrender Value Minimum 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 Value Accumulated Value Floor – Any remaining first year premium and premium bonus accumulated at 1.00% per year, plus any remaining renewal premium.

For agent information only. Not for solicitation or advertising to the public. Availability of product, product features and benefits may vary by state Contract Guarantees Cash Surrender Value Minimum 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 $ $98,757 6 $101,176 7 $103,655 8 $106,195 9 $108,797 10$111,462

For agent information only. Not for solicitation or advertising to the public. Availability of product, product features and benefits may vary by state 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 IncomeFive IncomeSeven IncomeTen Accum. Value Floor IncomePlus Accum. 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

For agent information only. Not for solicitation or advertising to the public. Availability of product, product features and benefits may vary by state Year Guaranteed Contract Surrender Value IncomeFive IncomeSeven IncomeTen Accum, Value Floor IncomePlus Accum. 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

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

For agent information only. Not for solicitation or advertising to the public. Availability of product, product features and benefits may vary by state Interest Crediting Strategies 1 Fixed Strategy (1-Year Guar.) 5 Indexed Strategies 1-Year Point-to-Point Participation Index (No Cap) 1-Year Point-to-Point Index 1-Year Uncapped Average Index 1-Year Monthly Cap Index 1-Year Average Multiple Index (not available on IncomeFive) All indexed strategies lock-in and credit any index-linked interest credits each year.

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

For agent information only. Not for solicitation or advertising to the public. Availability of product, product features and benefits may vary by state Terminal Illness Waiver Waives withdrawal charges in the event of terminal illness % of Contract Value Available after Year 1 - Requires Statement from Doctor - No Age Restrictions ; however, other restrictions may apply

For agent information only. Not for solicitation or advertising to the public. Availability of product, product features and benefits may vary by state Nursing Home Waiver Waives withdrawal charges in the event of nursing home confinement % of Contract Value Available after Year 1 - Requires 60 Consecutive Days of Confinement - No Age Restrictions ; however, other restrictions may apply

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

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

For agent information only. Not for solicitation or advertising to the public. Availability of product, product features and benefits may vary by state Survivor Benefit Rider Sales 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 (yrs 2-5 benefit = 25% of interest credited since issue) At 6 th 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.

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

NEW Point of Sale Consumer CD Presentation Final\Intro_2.exe

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 NEW Marketing Package

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

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