What’s your vision for the future?

No one knows for sure what tomorrow will bring, but we all have the desire to protect our loved ones from future heartache and sorrow. Life insurance allows us to provide peace of mind for our families and businesses. Life insurance enables us to replace income, protect mortgages, provide retirement income…fulfilling dreams along the way. Life insurance is a vital part of any financial plan.

Liberty Builder from AmerUs Life is a flexible premium universal life insurance policy with an equity indeed feature. With Liberty Builder, you have the ability to choose among interest crediting strategies. This feature gives you more control than traditional universal life insurance plans.

Plus, with tax-deferred accumulation and an income tax-free death benefit for your beneficiaries, Liberty Builder will help you discover the possibilities for your future.

CHOICE
Liberty Builder offers many options so you can build the plan most appropriate for your objectives.

VALUE
Liberty Builder provides competitive interest earnings on a tax-deferred basis.

SECURITY
Plus, Liberty Builder provides you with the safety and security associated with product guarantees.

FLEXIBILITY
And, as your circumstances change, Liberty Builder gives you the flexibility to adjust your plan to meet your most current needs.

EQUITY INDEX TERMINOLOGY

Equity indexed life insurance is a unique kind of insurance plan with unique terminology. The following terms are used throughout this brochure, so the definitions are proved for your ease in understanding.

Annual Equity Indexed Segment Value Growth Limit (Cap) – The cap for the earnings that will be credited to a segment in a given segment year subject to certain minimums. This limit may be reset each segment year.

Index – The measure used to determine the index earnings. For Liberty Builder, the index is the S&P 500 Composite Stock Price Index** The actual index number is generally the value of the close of business the day prior to the date for which it is used.

Index Earnings – Index earnings for an individual segment are calculated by multiplying the annual index growth by the participation rate, adjusted for the cap, multiplied by the starting segment value. Index earnings will never be less than zero.

Participation Rate – Determines the percentage of the S&P 500 Index growth the policyholder is eligible to earn. The participation rate for Liberty Builder is guaranteed to be 100% for the life of the policy.

Segments – Each time a portion of the Basic Interest Strategy value is directed to the Equity Indexed Strategy, a new five-year segment is created. Values directed to the segment remain in the segment for the full five years. Each segment has its own participation rate (guaranteed at 100% for liberty Builder) and initial cap. Segment years are measured as successive 12-month periods from the date a segment is created.

TERM LIFE OPTION

Also available is a Term Life Option, a non-equity building lower priced plan.

Founded in 1896, AmerUs Life has a 100+ year history of providing quality products and services to its customers. But company financial security, reliability and strength need to be backed up by more than words. We’re pleased to share the results of recent reviews by independent insurance industry evaluators.

The A.M. Best Company, one of the nation’s leading independent analysts, has rated AmerUs Life A (Excellent), the third-highest of its 15 rating classes measuring ability to meet policyholder obligations. Standard & Poor’s has rated AmerUs Life “A” (Strong), the sixth highest of its 20 rating classes measuring financial strength. And, AmerUs Life has been rated A3 (Good) by Moody’s for overall financial strength. A3 is the tenth highest of Moody’s 28 rating classes.

AmerUs Life Insurance Company is a member company of AmerUs Group, which had assets of $17.6 billion as of June 30, 2001.

If a person is a business owner, a Key Person Plan and or a Buy-Out Plan usually is needed.

An alternative to the Equity Building Plan is the Term Life Product that is purchased for 10, 15, 20 or 30 year periods, building no cash value, but less expensive.