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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. 06-2411For 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
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
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
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
Fresh New Look
For 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
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. 06-2411
NEW Point of SaleConsumer 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. 06-2411
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. 06-2411
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. 06-2411
Product Features
# 1 Optional LifetimePaySM 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. 06-2411
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. 06-2411
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
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
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. 06-2411
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.
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
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.
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
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
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
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.
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
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
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
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
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
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
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
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. 06-2411
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.
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
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. 06-2411
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
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
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
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
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
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
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
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
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.
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
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
NEW Point of SaleConsumer 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. 06-2411For agent information only. Not for solicitation or advertising to the public. 06-2411
NEWMarketing Package
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
Marketing
multichoiceannuity.com
877-287-3644
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
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.