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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 1

For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public

West Des Moines, IA 50266


How Does the Lifetime Income Benefit

Rider Work?


LIFETIME INCOME BENEFIT RIDER (LIBR-2010)

MGSV CV IAV IAV

Depends on product

? 4.5%

No Fee

6.5%

0.60% Fee

Greater Of When you are ready to elect income, the

Company will look back and guarantee you earned at least 4.5% or 6.5% on your Income Account

Value (IAV). If CV is larger, your IAV will step up to the Contract Value.

CHOOSE ONE


LIFETIME INCOME BENEFIT RIDER (LIBR-2010) GUARANTEED INCOME PAYOUT PERCENTAGES

LEVEL PAYMENT OPTION

INCREASING PAYMENT OPTION

Owner or Annuitant’s

Minimum Age at Election

Single Payee Percentage of

IAV

Joint Payee Percentage of

IAV

Single Payee Percentage of

IAV

Joint Payee Percentage of

IAV

50-54

55-59

3.5%

4.0%

3.0%

3.5%

2.5%

3.0%

2.0%

2.5%

60-64

65-69

4.5%

5.0%

4.0%

4.5%

3.5%

4.0%

3.0%

3.5%

70-74

75-79

5.5%

6.0%

5.0%

5.5%

4.5%

5.0%

4.0%

4.5%

80+ 6.5% 6.0% 5.5% 5.0%


LIFETIME INCOME BENEFIT RIDER (LIBR-2010)

Two Payment Options■ Level Payment Option

■ Increasing Payment Option – 3% Guaranteed

■ NOT A POINT OF SALE DECISION

■ Client Decides Level or Increasing when they turn income on


AEL LIBR STRENGTHS■ 4.5% for NO FEE for all ages or 6.5% for

0.60%* for owner issue ages 50+

■ No forced strategy allocation

■ Withdrawals do not cancel IAV** Rate

■ Can terminate LIBR any time

■ LIBR added to all indexed annuities+

■ Fee Based on Contract Value■ Up to 20 Years of Guaranteed IAV Rate

*Annual fee taken from Contract Value**IAV only used to calculate lifetime payments.+ Except 10/10 Gold and Heritage Gold. Call for availability

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