The BONUS GOLD (INDEX-1-07)*

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 state


BONUS GOLD (INDEX-1-07)*

10% PREMIUM BONUS

On all 1st year Premiums (5% Premium Bonus ages 81-85)

*Varies by state



13.58% 1ST YEAR EFFECTIVE

YIELD****Assuming 10% Initial Premium Bonus issue ages 0-80 5%

Premium Bonus issue ages 81-85 (8.41% 1st year yield) with 100% of premiums allocated into fixed value currently at 3.25%. Assumes no withdrawals.

*Varies by state


BONUS GOLD (INDEX-1-07)1

Interest Crediting Options

Current Asset Fee3

CurrentCap2

Current Participation Rate2

S&P Annual Monthly Averaged Value

0% 7.5% N/A


N/A 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

1Varies by state 2Current Caps and Participation Rates are reset annually 3Current Asset Fees are set at issue and guaranteed for the life of the Contract. + Monthly Cap




Current Asset Fee3

CurrentCap2


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%

0%

6.5%

4.5%

N/A

N/A

Fixed Value 3.25%

1Varies by state 2Current Caps and Participation Rates are reset annually 3Current Asset Fees are set at issue and guaranteed for the life of the Contract. + Monthly Cap



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.


Minimum Guaranteed Surrender Value (MGSV)

■MGSV equals 88% of premium day 1(issue ages 0-80)




Issue Ages: 0 – 85 Non-Qualified0 – 80 Qualified

Minimum Initial $5,000Premium:

Maximum Premium: 0-69 $1,000,00070-79 500,00080-85 250,000Prior Home Office Approval Must Be Received To Exceed These Limits.

*Surrender Charges:

Contract Year 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17+Percent 20 19.5 19 18.5 18 17.5 17 16 15 14 12 10 8 6 4 2 0%

*May vary By State and by issue age.


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)


The INTEGRITY GOLD (INDEX-5-07)*

*Varies by state


INTEGRITY GOLD (INDEX-5-07)1


CurrentAsset Fee3

Current Cap2



0% 7.5% N/A


N/A N/A 60%


0% 6.5% N/A


N/A 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%1Varies by state 2Current Caps and Participation Rates are reset annually 3Current Asset Fees are set at issue and guaranteed for the life of the Contract



INTEGRITY GOLD (INDEX-5-07)*

Issue Ages: 0 – 85 Non-Qualified0 – 80 Qualified

Minimum Initial $5,000Premium:

Maximum Premium: 0-69 $1,000,00070-79 500,00080-85 250,000Prior Home Office Approval Must Be Received To Exceed These Limits.

*Surrender Charges:Contract Year 1 2 3 4 5 6 7 Percent 8 7 6 4.5 3 1.5 0% *May vary By State and by issue age.


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


Lifetime Income Benefit Rider (LIBR-2008)

Planning Today to Supplement the Future

American Equity Investment Life Insurance CompanyWest Des Moines, Iowa


How Does the Lifetime Income Benefit

Rider Work?


LIFETIME INCOME BENEFIT RIDER (LIBR-2008)

MGSV CV IAV IAVDepends

on product

? 5%No Fee

8%0.45%

FeeGreater 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


GUARANTEED INCOME PERCENTAGE OF IAV

Owner or Annuitants

Minimum Age at Election

Single Payee Percentage of

IAVJoint Payee

Percentage of IAV

50-59 4% 3%

60-69 5% 4%70-79 6% 5%80+ 7% 6%


■Can be stopped and restarted■May start LIB at the later of Age 50

or 1st Contract Anniversary

■Step up feature■Payments may be monthly, quarterly,

bi-annually, and annually



STEP-UP PROVISIONAfter 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



Example #1

+MSGV = 3% on 80% of 1st year premium plus bonus*IAV only used to calculate lifetime payments

MGSV+

YEARS (w/10% bonus) Hypothetical Credit Contract Value IAV* IAV*1 $90,640 4% $114,400 5% $115,5002 $93,359 3% $117,832 5% $121,2753 $96,160 0% $117,832 5% $127,3394 $99,045 10% $129,615 5% $133,7065 $102,016 6% $137,392 5% $140,391

6.56% 7.02%

Lifetime Income is based off $140,391. At age 65 this means $7,020 every year for life!

Annualized Return

$100,000 Initial PremiumBonus Gold

Premium Bonus: 10%Issue Age: 60

Years of Deferral:5



Example #2


MGSV+


7.76% 7.02%


Annualized Return



Years of Deferral:5



Example #3




Years of Deferral:5

MGSV+


6.13% 10.08%


Annualized Return

*A Rider Fee of 0.45% will be deducted fro the Contract Value annually if the 8% IAV Growth Rate is selected


MGSV+


10.26% 10.08%


Annualized Return


Example #4




Years of Deferral:5

*A Rider Fee of 0.45% will be deducted fro the Contract Value annually if the 8% IAV Growth Rate is selected


DEFERRAL EXAMPLEWhat does 20 years of Deferral Look like with American Equity’s 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


SALES IDEASPit Integrity Gold vs Bonus Gold2 Dollars 3 Quarters & 2 DimesUse our Sales CD-ROM


Documents

The BONUS GOLD (INDEX-1-07)*