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For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA 50266 The BONUS GOLD (INDEX-1-07)* *Varies by.

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Presentation on theme: "For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA 50266 The BONUS GOLD (INDEX-1-07)* *Varies by."— Presentation transcript:

1 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA The BONUS GOLD (INDEX-1-07)* *Varies by state

2 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA BONUS GOLD (INDEX-1-07)* 10% PREMIUM BONUS On all 1 st year Premiums (5% Premium Bonus ages 81-85) *Varies by state

3 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA BONUS GOLD (INDEX-1-07)* 13.58% 1 ST YEAR EFFECTIVE YIELD** **Assuming 10% Initial Premium Bonus issue ages % Premium Bonus issue ages (8.41% 1 st year yield) with 100% of premiums allocated into fixed value currently at 3.25%. Assumes no withdrawals. *Varies by state

4 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA BONUS GOLD (INDEX-1-07) 1 Interest Crediting Options Current Asset Fee 3 Current Cap 2 Current Participation Rate 2 S&P Annual Monthly Averaged Value 0%7.5%N/A S&P Annual Monthly Averaged Value N/A 60% S&P Annual Point to Point Value S&P 500 Monthly Point to Point Value 0% N/A 0% 6.5% N/A 2.2% + N/A 40% N/A 1 Varies by state 2 Current Caps and Participation Rates are reset annually 3 Current Asset Fees are set at issue and guaranteed for the life of the Contract. + Monthly Cap

5 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA BONUS GOLD (INDEX-1-07) 1 Interest Crediting Options Current Asset Fee 3 Current Cap 2 Current Participation Rate 2 Dow Monthly Average 0% 7.5%N/A Dow Annual Point to Point Lehman Brothers U.S. Aggregate Index Annual Point to Point Value 0% 6.5% 4.5% N/A Fixed Value 3.25% 1 Varies by state 2 Current Caps and Participation Rates are reset annually 3 Current Asset Fees are set at issue and guaranteed for the life of the Contract. + Monthly Cap

6 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA BONUS GOLD (INDEX-1-07) 1 Minimum Guaranteed Surrender Value MGSV based on 80% of 1st year Premiums and Premium Bonus for issue ages 0-80 (84% for issue ages 81-85), plus 87.5% additional premiums received after 1st contract year, less withdrawal proceeds, at MGIR, compounded annually.

7 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA Minimum Guaranteed Surrender Value (MGSV) MGSV equals 88% of premium day 1 (issue ages 0-80)

8 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA 50266

9 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA BONUS GOLD (INDEX-1-07) * Issue Ages:0 – 85Non-Qualified 0 – 80Qualified Minimum Initial $5,000 Premium: Maximum Premium:0-69$1,000, , ,000 Prior Home Office Approval Must Be Received To Exceed These Limits. *Surrender Charges: Contract Year Percent % *May vary By State and by issue age.

10 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA BONUS GOLD (INDEX-1-07) High guaranteed first year yield Wealth transfer product Our Best Value, highest potential long term yield Long term duration for dusty money (16 year surrender charge period)

11 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA The INTEGRITY GOLD (INDEX-5-07)* *Varies by state

12 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA INTEGRITY GOLD (INDEX-5-07 ) 1 Interest Crediting Options Current Asset Fee 3 Current Cap 2 Current Participation Rate 2 S&P Annual Monthly Averaged Value 0%7.5%N/A S&P Annual Monthly Averaged Value N/A 60% S&P Annual Point to Point Value 0%6.5%N/A S&P Annual Point to Point Value N/A 40% S&P Monthly Point to Point Value 0%2.2%N/A Lehman Brothers U.S. Aggregate Index Annual Pt to Pt Value 0%4.5%N/A Fixed Value 3.25% 1 Varies by state 2 Current Caps and Participation Rates are reset annually 3 Current Asset Fees are set at issue and guaranteed for the life of the Contract

13 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA 50266

14 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA INTEGRITY GOLD (INDEX-5-07 )* Issue Ages:0 – 85Non-Qualified 0 – 80Qualified Minimum Initial $5,000 Premium: Maximum Premium:0-69$1,000, , ,000 Prior Home Office Approval Must Be Received To Exceed These Limits. *Surrender Charges: Contract Year Percent % *May vary By State and by issue age.

15 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA INTEGRITY GOLD (INDEX-5-07 ) Short term duration – 6 year surrender charge period Multi-Year Guarantee Annuity Alternative –More potential yield for client Potential for higher yield than a CD over the life of the contract

16 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA Lifetime Income Benefit Rider (LIBR-2008) Planning Today to Supplement the Future American Equity Investment Life Insurance Company West Des Moines, Iowa

17 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA How Does the Lifetime Income Benefit Rider Work?

18 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA LIFETIME INCOME BENEFIT RIDER (LIBR-2008) MGSVCVIAV Depends on product ?5% No Fee 8% 0.45% Fee Greater Of When you are ready to elect income, the Company will look back and guarantee you earned at least 5% or 8% on your Income Account Value (IAV). If CV is larger, your IAV will step up to the Contract Value. CHOOSE ONE

19 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA GUARANTEED INCOME PERCENTAGE OF IAV Owner or Annuitants Minimum Age at Election Single Payee Percentage of IAV Joint Payee Percentage of IAV %3% %4% %5% 80+7%6%

20 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA Can be stopped and restarted May start LIB at the later of Age 50 or 1 st Contract Anniversary Step up feature Payments may be monthly, quarterly, bi-annually, and annually LIFETIME INCOME BENEFIT RIDER (LIBR-2008)

21 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA STEP-UP PROVISION After LIB payments begin: Each Contract Anniversary Compare Contract Value to current IAV New IAV based on greater of the two accounts Future LIB payments based on new IAV

22 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA LIFETIME INCOME BENEFIT RIDER (LIBR-2008) Example #1 + MSGV = 3% on 80% of 1 st year premium plus bonus *IAV only used to calculate lifetime payments

23 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA LIFETIME INCOME BENEFIT RIDER (LIBR-2008) Example #2 + MSGV = 3% on 80% of 1 st year premium plus bonus *IAV only used to calculate lifetime payments

24 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA LIFETIME INCOME BENEFIT RIDER (LIBR-2008) Example #3 + MSGV = 3% on 80% of 1 st year premium plus bonus *IAV only used to calculate lifetime payments *A Rider Fee of 0.45% will be deducted fro the Contract Value annually if the 8% IAV Growth Rate is selected

25 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA LIFETIME INCOME BENEFIT RIDER (LIBR-2008) Example #4 + MSGV = 3% on 80% of 1 st year premium plus bonus *IAV only used to calculate lifetime payments *A Rider Fee of 0.45% will be deducted fro the Contract Value annually if the 8% IAV Growth Rate is selected

26 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA DEFERRAL EXAMPLE What does 20 years of Deferral Look like with American Equitys LIBR-2008 * ? $100,000 Initial Deposit into the Bonus Gold Grows to $237,482 After 10 Years $512,705 After 20 Years –Age 60 is $25,635 per year for Life –Age 70 is $30,762 per year for Life –Age 80 is $35,889 per year for Life *8% Growth on IAV. This option has a 0.45% annual fee taken from Contract Value

27 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA SALES IDEAS Pit Integrity Gold vs Bonus Gold 2 Dollars 3 Quarters & 2 Dimes Use our Sales CD-ROM

28 For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public West Des Moines, IA 50266


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