American Equity – Important Information

AEL Field_Header_Memo

American Equity is excited to announce the addition of a Wellbeing Benefit Rider to our
industry-leading Lifetime Income Benefit Rider. All of the options below are available
for issue ages 50+ and offer an enhanced LIB payment for up to 5 years if eligibility
requirements are met.

Two New IAV Rate Options Both Offering the Wellbeing Benefit Rider:
6.5% IAV Rate
  • 0.85% fee deducted annually from Contract Value
  • 10 year IAV Period (20 Year Max if reset is selected)
  • Two Year Enhanced LIB Waiting Period

7.0% IAV Rate
  • 1.0% fee deducted annually from Contract Value
  • 5 year IAV Period (10 Year Max if reset is selected)
  • Two Year Enhanced LIB Waiting Period

The new IAV rate options are available on the Foundation Gold, Benefit Gold and
Traditions Gold. They are NOT available on the Bonus Gold, which is being discontinued
in PA effective July 1, 2015.
Effective immediately, an updated LIBR disclosure (Form #1154-D dated 5.28.15) is
required.

New IAV Rate Option Available for the Choice Series Only:
7.0% IAV Rate
  • 1.0% fee deducted annually from Contract Value
  • 7 year IAV Period (14 Year Max if reset is selected)
  • Two Year Enhanced LIB Waiting Period

Effective immediately, an updated LIBR disclosure (Form #1156-D dated 5.28.15) is
required.

Posted in Annuity, Bulletins, Rate Change.