American Equity Investment Life Insurance Company West Des Moines, IA For Agent Information Only.

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American Equity Investment Life Insurance Company • West Des Moines, IA 50266 • 888-647-1371 • www.american-equity.com | For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public

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North East

We Are Here to Help

Brad Schwarz

Regional Marketing Director

bschwarz@american-equity.com

515-273-3565

Tom Kostek

Field Marketer

tkostek@american-equity.com

515-457-1894

Brian Koehlmoos

Marketing Services

bkoehlmoos@american-equity.com

515-457-3735

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10 M

The

BONUS GOLD

(INDEX-1-07)*

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Bonus Gold

(INDEX-1-07)*

10%

PREMIUM BONUS

On all 1

st

year Premiums

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Bonus Gold

(INDEX-1-07)*

Interest

Crediting Options

Current

Asset Fee

2 Current

Cap

1 Current

Participation Rate

1 S&P Annual Monthly

Averaged Value

0%

2.50%

N/A

S&P Annual Monthly

Averaged Value

N/A

30%

S&P Annual

Point to Point Value

0%

2.50%

N/A

S&P Annual

Point to Point Value

N/A

20%

S&P 500

®

_Monthly

Point to Point Value

0%

1.40%

+

_N/A

Volatility Control Index

2.75%

N/A

100%

1

_{Current Caps and Participation Rates are reset annually}

2

_{Current Asset Fees are set at issue and guaranteed for the life of the Contract. + Monthly Cap}

Rates may vary by state

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Bonus Gold

(INDEX-1-07)*

Interest

Crediting

Options

Current

Asset Fee

2 Current

Cap

1 Current

Participation

Rate

1 Current

Performance

Trigger Rate

1 Dow Monthly

Average

0%

2.50%

N/A

Dow Annual

Point to Point

0%

2.50%

N/A

10-Year

U.S. Treasury

Bond

0%

2.25%

N/A

Bond Yield

w/Cap

2%

5.15%

N/A

Performance

Trigger

N/A

2.00%

Fixed Value

1.15%

1

_{Current Caps, Participation Rates, and Performance Trigger Rates are reset annually}

2

_{Current Asset Fees are set at issue and guaranteed for the life of the Contract. + Monthly Cap}

Rates may vary by state

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Bonus Gold

(INDEX-1-07)*

Issue Ages:

0 – 80 Qualified & Non-Qualified

Minimum Initial

$5,000

Premium:

Maximum Premium:

0-69

$1,500,000

70-74

$1,000,000

75-80

$750,000

Surrender Charges:**

Contract Year

1

2

3

4

5

6

7

8

9 10 11 12 13 14 15 16 17+

Surrender Charge % 20 19.5 19 18.5 18 17.5 17 16

15 14 12 10

8

6

4 2 0%

**May vary by state and by issue age.

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The

CHOICE SERIES 6, 8 & 10

(ICC14 IDX8)*

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Choice Series 10

(ICC14 IDX8-10)*

Interest

Crediting Options

Current

Asset Fee

2 Current

Cap

1 Current

Participation Rate

1 S&P Annual

Point to Point Value w/Cap

0%

5.00%

N/A

S&P Annual

Point to Point Value w/PR

0%

N/A

50%

S&P 500

®

_Monthly

Point to Point Value w/Cap

0%

2.00%

N/A

Volatility Control Index

1.25%

N/A

Fixed Value Rate

1.95%

1

_{Current Caps and Participation Rates are reset annually}

2

_{Current Asset Fees are set at issue and guaranteed for the life of the Contract.}

Rates may vary by state

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Choice Series

(ICC14 IDX8)*

Issue Ages:

18 – 80 Qualified & Non-Qualified

Minimum Initial

Premium:

$10,000

Maximum Premium:

18-69 $1,500,000

70-74 $1,000,000

75-80 $750,000

Surrender Charges:

Contract Year 10YR

1

2

3

4

5

6

7

8

9 10 11+

Surrender Charge % 9.20 8.25 7.25 6.50 5.50 4.50 3.50 2.50 1.50 .50 0%

*Form number and availability may vary by state.

Contract Year 8YR

1

2

3

4

5

6

7

8 9+

Surrender Charge % 9.20 8.25 7.25 6.50 5.50 4.50 3.50 2.50 0%

Contract Year 6YR

1

2

3

4

5

6 7+

Surrender Charge % 9.20 8.00 7.00 5.50 4.00 2.50 0%

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American Equity Investment Life Insurance Company • West Des Moines, IA 50266 • 888-647-1371 • www.american-equity.com | For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public 20 M

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Scenario #2

■

Clients have sizeable IRA that makes up 30%

of total assets

■

Clients want to defer until required to take

RMDs

■

Clients are required to take RMDs and pass as

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End of

Year

Age

Cumulative

Total RMDs

Contract Value

Death Benefit

IAV

Enhanced Death

Benefit

5 Years

Lump

Sum

5

70 $0

$106,952

$133,832

$120,392

10

75 $19,086

$84,443

$133,154

$108,799

15

80 $37,491

$69,862

$125,937

$97,900

20

85 $56,320

$55,861

$106,727

$81,294

Scenario #2 Examples

$56,320

$

106,727

$81,294

*Benefit provided by Lifetime Income Benefit and Enhanced Death Benefit Rider (ICC14 R-LIBR-EDB).

Form number and availability may vary by state.

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Scenario #2 Summary

Lump Sum Death Benefit

Total Contract Distribution

$81,294

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Wellbeing Rider

(14 R-LIBR-W)

*

■

Single life payout

–

200% of benefit payout percentage

■

Joint life payout

–

150% of benefit payout percentage if one or

both qualify

■

Waiting period

–

2 years

■

Maximum Benefit Period

–

5 years

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Sales Idea - Mr. & Mrs. Smith

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Sales Idea - Mr. & Mrs. Smith

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Sales Idea - Mr. & Mrs. Smith

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Sales Idea - Mr. & Mrs. Smith

MRS. SMITH

Market

DOWN

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Sales Idea - Mr. & Mrs. Smith

MR. SMITH

Market

DOWN

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Sales Idea - Mr. & Mrs. Smith

MR. SMITH

Market

DOWN

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Sales Idea - Mr. & Mrs. Smith

MRS. SMITH

Market

UP

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Sales Idea - Mr. & Mrs. Smith

MR. SMITH

Market

UP

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Sales Idea - Mr. & Mrs. Smith

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Sales Idea - Mr. & Mrs. Smith

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Sales Idea - Mr. & Mrs. Smith

MRS. SMITH

Market

DOWN

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Sales Idea - Mr. & Mrs. Smith

MR. SMITH

Market

DOWN

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Sales Idea - Mr. & Mrs. Smith

MR. SMITH

Market

DOWN

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Sales Idea - Mr. & Mrs. Smith

MRS. SMITH

Market

UP

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Sales Idea - Mr. & Mrs. Smith

MR. SMITH

Market

UP

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Sales Idea - Mr. & Mrs. Smith

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