Annuity contract and riders issued under form series ICC17 BASE-IDX-B, ICC17 IDX-11-10, ICC20 R-LIBR-FCP, ICC20 R-LIBR-FSP, ICC20 R-LIBR-W-FCP, ICC20 R-LIBR-W-FSP and state variations thereof.  Availability may vary by state.
1 Bonus available on 1st year premiums. Each year after the 1st contract year, clients become vested in a percentage of the bonus, until 100% vested at the end of the 10th contract year. Vested amounts of the bonus are the amounts not forfeited as a result of an early withdrawal or surrender. Bonus, surrender charges, and vesting schedules may vary by state. Bonus annuities may involve longer surrender charge periods, lower caps and participation rates and/or higher spreads than non-bonus annuities. See brochure and disclosure for details.
2 Lifetime income available through optional Lifetime Income Benefit Rider.  Available for issue ages 50+.
Provisions of the Lifetime Income Benefit Rider, such as Income Account Value Accumulation Rates, (and IAV multiplier) may change prior to issue. Income Account Value is only used to calculate Lifetime Income. It is not part of the underlying Contract Value, or available in a lump sum. Available for issue ages [50 to 80.]
Rider fee is calculated based on the income account value and deducted from the contract value on each contract anniversary as long as the rider is attached to the contract.
*Source: Secure Retirement Institute: Index Annuity Guaranteed Lifetime Withdrawal Benefit Survey, tracking the amount of sales and assets in which GLWB were elected through 9/30/21. To request a copy of the data, contact American Equity Investment Life Insurance Company.
Guarantees are based on the financial strength and claims paying ability of American Equity and are not guaranteed by any bank or insured by the FDIC.
American Equity Investment Life Insurance Company® does not offer legal, investment, or tax advice. Please consult a qualified professional.