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1 Prepared For Valued Client Prepared On January 15, 2015 Prepared By Stan The Anuity Man Guaranteed Lifetime Benefit Riders American Equity Investment Life Insurance Company Guaranteed Lifetime Withdrawal Benefit Rider
2 Overview General Information Valued Client, age 55 Benefit starts after 20 years at age 75 State: Florida Premium $ 100,000 (non-qualified) For products that use market interest, no interest (0%) is used in the calculations Guaranteed Lifetime Benefit Riders American Equity Investment Life Insurance Company First year benefit: $24,419 Lifetime income value ( 95): $512,796 Guaranteed Lifetime Withdrawal Benefit Rider First year benefit: $22,514 Lifetime income value ( 95): $472,796 First year benefit: $22,148 Lifetime income value ( 95): $465,106 AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is subject to change. It is not Page 2 of 11
3 Payout By This report shows the value of waiting. Each year you wait the income you can receive will increase. The roll up rate will continue to grow and the payout rate will continue to increase for most riders. American Equity Investment Life Insurance Company With 10.00% Premium Bonus Rollup ,000 Payout Single LifeTime Payment , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,357 Guaranteed Lifetime Withdrawal Benefit Rider With 7.00% Premium Bonus Rollup ,000 Payout Single LifeTime Payment , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,978 With 8.00% Premium Bonus Rollup ,000 Payout Single LifeTime Payment , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,963 AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is subject to change. It is not Page 3 of 11
4 Ledger Comparison The Ledger Comparison shows the values for each rider selected and the cumulative payout value at 5 year intervals. American Equity Investment Life Insurance Company Roll-up With 10.00% Premium Bonus , , , , , , , , , , , , , , , , , , , ,945 Benefit LifeTime Payment , , ,182 24, ,763 24, ,344 24, ,926 24,419 5 Year Total 122, ,507 24, ,088 24, ,669 24, ,250 24, ,831 24, Year Total 244, ,412 24, ,994 24, ,575 24, Year Total 366, , Year Total 512,796 Guaranteed Lifetime Withdrawal Benefit Rider With 7.00% Premium Bonus Roll-up , , , , , , , , , , , , , , , , , , , ,765 Benefit LifeTime Payment , , ,857 22, ,342 22, ,828 22, ,314 22,514 5 Year Total 112, ,800 22, ,286 22, ,772 22, ,258 22, ,744 22, Year Total 225, ,230 22, ,716 22, ,202 22, Year Total 337, , Year Total 472,796 With 8.00% Premium Bonus Roll-up Benefit LifeTime Payment , , , , , , , , , , , , , , , , , , , , , , ,080 22, ,080 22, ,080 22, ,080 22,148 5 Year Total 110, ,080 22, ,080 22, ,080 22, ,080 22, ,080 22, Year Total 221, ,080 22, ,080 22, ,080 22, Year Total 332, ,080 22, Year Total 465,106 AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is subject to change. It is not Page 4 of 11
5 Annual Ledger The Annual Ledger shows the detail annual calculation revealing how the rider works reflecting all roll up rates, payout rates and fees. American Equity Investment Life Insurance Company Year Begin Year Interest Rider Fee Roll-up Guaranteed Lifetime Benefit Benefit Amount Total w/out Rider , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,454 99, , , , ,549 98, , , , ,649 96, , , , ,757 94, , , , ,871 92, , , , ,992 90, , , , ,122 88, , , , ,260 86, , , , ,407 84, , , , ,563 81, , , , ,730 78, , , , ,907 51, , ,419 24, , , ,724 24, ,182 24,419 48, , , , ,763 24,419 73, , ,344 24,419 97, , ,926 24, , , ,507 24, , , ,088 24, , , ,669 24, , , ,250 24, , , ,831 24, , , ,412 24, , , ,994 24, , , ,575 24, , , ,156 24, , , ,737 24, , , ,318 24, , , , , , , , , , , , , , , , , ,000 AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is subject to change. It is not Page 5 of 11
6 Rider Description American Equity Investment Life Insurance Company The allows you to take a lifetime income from your annuity without losing control of your retirement assets. This is possible because the lifetime income is in the form of regular withdrawals from your Contract rather than annuitized payments. The amount of your Lifetime Benefit (LIB) is determined by multiplying your IAV (described below) by a guaranteed income percentage. The guaranteed income percentage is based upon your age at the time you elect payments and is described in more detail below. Your guaranteed LIB payments may also be stopped and reset at your discretion. RESET OF IAV PERIOD You may reset your IAV Period once on any Contract Anniversary between the 5th and 10th Contract Anniversaries by submitting your request in writing prior to the 10th Contract Anniversary. Your IAV then becomes the greater of your current IAV or your Contract Value. The maximum IAV period can not exceed 20 years. IAV Calculation The IAV is an accounting value used solely to determine the amount of income you will earn under the. It is not a traditionally accessible account value; rather it serves as a measuring value tool for purposes of the rider only. At any one time, the IAV equals the total premiums paid (plus any premium bonus, if applicable) accumulating at 6.50% per contract year. SINGLE LIFE AND JOINT LIFE PAYOUT At the time you elect to start receiving Lifetime Benefit payments, You may choose either a single life or a joint life payout with either the Level Payment Option or the Increasing Payment Option. With the single life option, payout factors are determined based on Your age at time of payout election. With the joint payout option, the Joint Payee must be a legal spouse as defined under Federal law and we base Lifetime Benefit payment amounts on the age of the younger Joint Payee. We will make Lifetime Benefit payments until the death of the last surviving Joint Payee. RIDER FEE The current annual fee for the is % and is set at issue. The rider fee is charged annually against your base contract's contract Value at your contract anniversary and continus until either the rider or base contract terminates. LIFETIME INCOME BENEFIT ELECTION You may elect to receive Lifetime Benefit payments anytime after your first Contract Anniversary or after you reach age 50, whichever is LATER. At the time you choose to begin Lifetime Benefit payments you may select either the single life or joint life payout option and either the level or increasing payment option. Once your Lifetime Benefit payments begin, these choices are locked in and may not be changed. Your LIB payments will be based on these selections, multiplied by the Guarantee Percentage applicable to your age. EXCESS WITHDRAWALS Any partial withdrawals taken from the base Contract Value after Lifetime Benefit payments have started will reduce future payment amounts. For example, an additional withdrawal of 5.00% above your guaranteed payment reduces your next Lifetime Benefit payment by 5.00%. If excess withdrawals reduce the Contract Value to zero, your IAV also reduces to zero, and your Lifetime Benefit payments stop. Surrender Charges may apply to excess withdrawals that exceed your 10% annual penalty-free withdrawals available under the Contract after the first anniversary. How Do Excess withdrawals IMPACT my benefits? Withdrawals taken in addition to your annual Lifetime Benefit amount after Lifetime Benefit payments begin, are Excess Withdrawals. Excess Withdrawals reduce subsequent annual Lifetime Benefit payments on a pro-rata basis, and reduce your Contract and Account Values on a dollar for dollar basis. REQUIRED MINIMUM DISTRIBUTIONS is Required Minimum Distribution (RMD) friendly. If the Lifetime Benefit payment does not satisfy the RMD amount for the base contract for that year then any amount withdrawn, to bring the Lifetime Benefit payment up to the RMD amount for that year, will not be considered an excess withdrawal. AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is subject to change. It is not Page 6 of 11
7 Annual Ledger The Annual Ledger shows the detail annual calculation revealing how the rider works reflecting all roll up rates, payout rates and fees. Guaranteed Lifetime Withdrawal Benefit Rider Year Begin Year Interest Rider Fee Roll-up Guaranteed Lifetime Benefit Benefit Amount Total w/out Rider , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,609 99, , , , ,705 97, , , , ,807 96, , , , ,916 94, , , , ,901 91, , , , ,075 88, , , , ,260 84, , , , ,455 81, , , , ,663 77, , , , ,882 73, , , , ,115 69, , , , ,362 65, , , , ,624 60, , , , ,901 55, , , , ,196 28, , ,514 22, , , , ,857 22,514 45, , ,342 22,514 67, , ,828 22,514 90, , ,314 22, , , ,800 22, , , ,286 22, , , ,772 22, , , ,258 22, , , ,744 22, , , ,230 22, , , ,716 22, , , ,202 22, , , ,687 22, , , ,173 22, , , ,659 22, , , , , , , , , , , , , , , , , ,000 AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is subject to change. It is not Page 7 of 11
8 Rider Description Guaranteed Lifetime Withdrawal Benefit Rider Option Rider The Guaranteed Lifetime Withdrawal Benefit Rider is only available if the annuitant is an owner, unless the owner is not a natural person. If the owner is not a natural person, the annuitant will be treated as the owner for the purposes of this rider. If the base policy has joint owners, the Guaranteed Lifetime Withdrawal Benefit Rider is only available if the joint owners are spouses. The Guaranteed Lifetime Withdrawal Benefit Rider is subject to a minimum issue age of 45 and benefits may begin anytime after the first policy year once the owner has attained the age of 55. Account Value The Account Value will be equal to the initial premium, plus any premium bonus, adjusted for withdrawals, plus interest credited to the Account Value at the Account interest rate, currently 6.00%. Any withdrawal taken under the base policy before Guaranteed Lifetime Withdrawal Benefits begin reduces the Value by the amount of the Withdrawal (including any withdrawal charges, forfeiture of the non vested premium bonus amount and MVA) and reduces the Account Value in proportion to the decrease in the Value. The Roll-up during the first Roll-up Term period of 10 years will be equal to 6.00%. If income withdrawals have not started the owner may elect to renew the Guaranteed Lifetime Withdrawal Benefit Rider for another Roll-up Term period, however the maximum term period will not exceed 20 or age 85. Guaranteed Lifetime Withdrawal Benefits At anytime after the age of 55 and after the first policy year, the owner may elect to receive the Guaranteed Lifetime Withdrawal Benefits. The annual GLWB is based on the Account Value at the you elect to being your GLWB. Your first GLWB is based on multiplying the GLWB payout factor by the Account Value to determine your payout amount. Once the GLWB payout factor is determined, it will not change for the duration of the rider. You may elect a single life payout or a joint life payout. Once the GLWB begins you cannot change this election. For a single life payout the GLWB payout factor is based on the age of the person on whose life the GLWB are based at the time of the first GLWB. For a joint life payout, the GLWB payout factor is based on the age of the younger of the persons on whose lives the GLWB are based at the time of the first GLWB. If there is one owner, you may elect a single premium payout based on the owner or a joint life payout based on the lives of the owner and the owners spouse who is the sole beneficiary, If there are joint owners you may elect a single life payout based on the life of either owner or a joint life payout based on the lives of the joint owners who are both listed as primary beneficiaries. You may choose to receive your annual GLWB in a lump sum or in equal monthly, quarterly or semi annual payments, GLWB payments are guaranteed for the remained of your life (or the lives of you and your spouse for a joint life payout), unless excess withdrawals occur. Stop and Restart You may stop and restart the GLWB by written request. If you chose to stop GLWB, you can not apply the amount not received to any future GLWB payments. The amount of the GLWB will be the same upon restarting, unless it is decreased due to an excess withdrawal or incresed because of a step-up. After you elect to receive your fist GLWB, the company will not apply withdrawal charges, forfeiture of the non vested premium bonus amount, or market value adjustment to withdrawals taken in any policy year in which the total amount of all withdrawals do not exceed the amount of the GLWB. Guaranteed Lifetime Withdrawal Benefit Step-Up The company will recalculate the amount of the GLWB at every policy anniversary after the first GLWB to equal the greater of the following: The Account Value, multiplied by the original GLWB factor, or The previous GLWB, adjusted for any excess withdrawals since the last policy anniversary. For each policy anniversary for as long as this rider is in force and the accumulation value is greater than zero, the company will deduct a charge from the accumulation value equal to: (a)income value on the policy anniversary, multiplied by (b)the cost of the benefit shown on the GLWB data page. This charge will also be deducted from any payment of any amounts payable at death (2)upon a full withdrawal from the base policy or (3) at the maturity if the entire accumulation value is applied to a settlement option. For a roll-up renewal the company may change the fee up to the maximum of 1.50%. The company will send you a notice 30 days prior to the anniversary at the end of the rollup term of any increase in the rider charge. AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is subject to change. It is not Page 8 of 11
9 Annual Ledger The Annual Ledger shows the detail annual calculation revealing how the rider works reflecting all roll up rates, payout rates and fees. Year Begin Year Interest Rider Fee Roll-up Guaranteed Lifetime Benefit Benefit Amount Total w/out Rider , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,568 98, , , , ,666 97, , , , ,771 95, , , , ,970 92, , , , ,156 89, , , , ,353 85, , , , ,563 82, , , , ,785 78, , , , ,022 74, , , , ,273 70, , , , ,541 65, , , , ,824 60, , , , ,126 55, , , , ,446 28, , ,148 22, , , , ,080 22,148 44, , ,080 22,148 66, , ,080 22,148 88, , ,080 22, , , ,080 22, , , ,080 22, , , ,080 22, , , ,080 22, , , ,080 22, , , ,080 22, , , ,080 22, , , ,080 22, , , ,080 22, , , ,080 22, , , ,080 22, , , ,080 22, , , ,080 22, , , ,080 22, , , ,080 22, , , ,080 22, , ,000 AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is subject to change. It is not Page 9 of 11
10 Rider Description Enhance your long-term income For people age 40 and above interested in guaranteed income during their retirement, the is an optional Guaranteed Lifetime Withdrawal Benefit (GLWB) Rider you can add to your Contract. Designed to help generate a higher level of guaranteed lifetime income, allows you the ability to control when you receive income payments. Since this rider works in concert with your annuity, together the two can provide you ways to enhance your long-term income. In exchange for an annual cost, this rider offers you the ability to achieve a guaranteed lifetime income stream. On day one, your annuity premium will begin to accumulate as a separate Guaranteed Minimum Withdrawal Benefit (GMWB) Value. After the first contract year, and as early as age 50, an amount determined by your age and current GMWB Value is available for lifetime income. This income is available to you without a surrender charge, Interest Adjustment (if applicable) or electing an annuity payout option. Bonus The offers you 6.25% Bonus for up to 20 years, to enhance your GWMB Value each year. These credits will not be available in years when a withdrawal is taken or once you elect lifetime income payments. You will be eligible for a Bonus Credit if a withdrawal is taken to satisfy a Required Minimum Distribution (RMD). Bonus Credits This bonus is added only to the rider s GWMB Value and not your Contract s (to which this rider is attached) Value. The Bonus Credits compound annually, allowing for greater growth opportunity. In contract years when a withdrawal is taken, no bonus will apply, unless the withdrawal is used to satisfy a Required Minimum Distribution (RMD). Once you elect to take lifetime income payments, bonus credits will no longer be credited to the rider s GWMB Value. GWMB Value The GWMB Value is used as the basis for calculating your annual lifetime income payments (called Lifetime Payment Amounts or LPAs). This value is used only in determining lifetime income payments and not as the basis for calculating the Death Benefit or withdrawals from the Contract. This value can grow based on eligible roll-ups (called GMWB Step-Ups) and bonuses (called Bonus Credits). Bonus Credit Percentages will be set at issue. Your GWMB Value initially equals 100% of your premium, plus any premium bonus that may be included with your Contract. The chart to the right demonstrates what your initial GWMB Value may look like. Note: payments and withdrawals will reduce both your Contract s Value and your GMWB Value. All withdrawals or surrenders will be taken from your Value. Any Death Benefits payable under your Contract will be based on the Value. Rider Cost The annual cost (called the GMWB Cost) is 0.95%. This cost is calculated by multiplying a charge percentage (called the GMWB Charge) by the available GWMB Value on contract anniversary. This cost will be taken from your Contract s Value on each contract anniversary and will continue until either your Contract or rider terminates. The annual costs will be deducted every year even in those years when a withdrawal is taken, when lifetime income payments have been elected or when no interest is credited to the Contract. This annual GMWB cost percentage will not change. If you decide to terminate this rider, you will not be reimbursed for costs previously incurred. IMPACT OF WITHDRAWALS Your GWMB Value will be reduced for any withdrawals taken either before or after lifetime income payments begin. If you take a withdrawal prior to beginning lifetime income payments, your GWMB Value will be reduced by the same percentage withdrawn from your Contract. For example, if you take an excess withdrawal of 7% of your Value, your GWMB Value will be reduced by 7% as well, even though this may represent a larger dollar amount than what you had withdrawn. Withdrawals taken to satisfy a Required Minimum Distribution (RMD) are treated differently. Withdrawals taken to satisfy your RMD will reduce the GWMB Value by the dollar amount withdrawn, instead of the percentage withdrawn. Once you begin to take your Lifetime Payments, withdrawals taken in excess of your Lifetime Payment will reduce your GWMB Value by the same percentage withdrawn from your Contract. Similar to the scenario described above, if you take an excess withdrawal of 10% in addition to your Lifetime Payment, your GWMB Value will be reduced by 10% as well, even though this may represent a larger amount than what you had withdrawn. Excess withdrawals may be subject to surrender charges and Interest Adjustments (if applicable). Excess withdrawals will ultimately impact your future lifetime income payments. AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is subject to change. It is not Page 10 of 11
11 Rider Description Flexible As you look for ways to achieve greater control and flexibility over your retirement income, wouldn t it be comforting to have options to meet your future income needs? You ve always had the option to take withdrawals directly from your Contract. Now, you can begin taking income payments based on the rider benefit after the first contract year and as early as age 50. is ideal for those individuals looking to receive income over a long time horizon. The rider guarantees you a lifetime income stream without surrender charges, Interest Adjustment (if applicable) or having to take an annuity payout option. Provided no excess withdrawals have been taken, income will even be available if both your Value and GWMB Value were reduced to zero. Lifetime Payments You choose how frequently you receive your lifetime income payments: monthly, quarterly, semi-annually or annually. When you first elect lifetime income payments, your payments will be based on your current GWMB Value multiplied by a percentage based on your age(lifetime Payment Percentage, see chart below). Payments can be started and stopped at any time. If a RMD is required, you will be allowed to take the greater of the lifetime income payment or the RMD. Thereafter, on each contract anniversary, your lifetime income payments may increase based on the Lifetime Payment Percentage that applies to your current age and current GMWB Value. This may positively impact future lifetime income payments. However, future payments will not decrease so long as you don t withdraw more than this amount in any contract year. Maximum Annual Withdrawal Pecentage: Single Joint % 3.60% % 3.60% % 4.10% % 4.60% Single Joint % 5.10% % 5.60% % 6.10% Electing Lifetime Payments You will need to notify us in writing to begin lifetime income payments. After this election is made, Bonus Credits will no longer be available. Tax Treatment of Payments Please see your tax advisor. Under current tax law, income payments from may be taxed as ordinary income. Additionally, if taken prior to 59 1/2, income payments may be subject to 10% IRS penalty tax. AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is subject to change. It is not Page 11 of 11
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