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09-AE-0791
West Des Moines, IA 50266
IN LIFETIME INCOME RIDERS THE ONLY CHOICEAMERICAN
EQUITY
AMERICAN EQUITY INDEXED ANNUITIESNOW AVAILABLE ON MORE
12% Premium Bonus**Full Contract Value upon death
UNBEATABLE COMBINATION12% Premium Bonus**
PLUS 5% or 8% Guaranteed Accumulated
Rate for Income Account Value*
Guaranteed 5% OR 8% Annual Growth of Income Account Value*
NO annuitization required
Ability to STOP and START income
INCLUDING THE RETIREMENT GOLD(RG-FIA-09)+
Rick PlataCA# 0F10820
(LIBR-2008)+
*By Choosing the 8% IAV Option you will be charged a 0.45% annual fee from your contract value. Income Account Value (IAV) only used to calculate lifetime income payments. Not part of underlying Contract Value or available in a lump sum. Not included in Death Benefit. If payments not elected by 10th Contract anniversary, growth of IAV will stop unless client elects to restart accumulation period. **Each year after the 3rd Contract year, you become vested in a percentage of the bonus, until 100% vested at the end of the 14th Contract year. Vested amounts of the bonus are the amounts not forfeited as a result of an early Withdrawal or Surrender. Bonus, Surrender Charges, and Vesting Schedules may vary by state see Disclosure and Brochure for details.+ Form number and availability may vary by state.
10 year surrendercharge period
Bonus fully vested after 14 years