American Equity Investment Life Insurance Company West Des Moines, IA | 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

American Equity Investment Life Insurance Company West Des Moines, IA | For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public 3 How Does the Lifetime Income Benefit Rider Work?

American Equity Investment Life Insurance Company West Des Moines, IA | For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public 4 LIFETIME INCOME BENEFIT RIDER (LIBR-2010) MGSVCVIAV 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

American Equity Investment Life Insurance Company West Des Moines, IA | For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public 5 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 % 4.0% 3.0% 3.5% 2.5% 3.0% 2.0% 2.5% % 5.0% 4.0% 4.5% 3.5% 4.0% 3.0% 3.5% % 6.0% 5.0% 5.5% 4.5% 5.0% 4.0% 4.5% %6.0%5.5%5.0%

American Equity Investment Life Insurance Company West Des Moines, IA | For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public 6 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

American Equity Investment Life Insurance Company West Des Moines, IA | For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public 7

8 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

American Equity Investment Life Insurance Company West Des Moines, IA | For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public 9

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