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American Equity Investment Life Insurance Company


Retirement Gold (Index 02-09)


A Fixed Indexed Annuity with a 10-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
  A.M. Best :  A-   Fitch:  BBB+   Standard & Poor's:  A-  

Rates
  Current Rates
xx/xx/xxxx
Guaranteed
Minimum Values
   Cap Spread Part Rate Cap Spread Part Rate
1 Year S&P 500 Annual Point-to-Point Participation Rate   ***    ***   ***    ***   ***   *** 
1 Year S&P 500 Monthly Average Participation Rate   ***    ***   ***    ***   ***   *** 
1 Year S&P 500 Monthly Average with Cap   ***    ***   ***    ***   ***   *** 
1 Year S&P 500 Monthly Point-to-Point   ***    ***   ***    ***   ***   *** 
1 Year S&P 500 Point-to-Point Cap   ***    ***   ***    ***   ***   *** 
Bond Yield with Cap   ***    ***   ***    ***   ***   *** 
Performance Triggered Trigger: 1.75
 ***   ***    ***   ***   *** 
S&P 500 Dividend Aristocrats Daily Risk Control 5% Index   ***    ***   ***    ***   ***   *** 
Traditional Fixed Value   (Rate guaranteed for 1 Year) *.** % *.** %

State Specified Minimum Interest Rate: ****
Premium Bonus by Age/State
 Year: 1
Age 18 to 78 in states:
AL AR AZ CA CO DC GA HI IA ID IL KS KY LA MA MD ME MI MO MS MT NC ND NE NH NM RI SD TN VA VT WI WV WY
****
Age 74 to 78 in states: ****
Age 18 to 73 in states:
IN
****

Policy Notes

The @annuityname@ is a Flexible --[ subscription required to view full text ]--
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*** ******* ******** **** ** *** ********** ** ******** ******* ***** ********* *****; ************ ******* *********** ******* ***** ********* ***** **** *** **** *** ******** *******. *** ******** ****** ** ******* ** **** ******* ** *** ****** *********** *** ** ******-** ** ****** ********* ** *** ***** **** *** ****** *** ******** ******* ******** ** **** *******.

Provisions
Free Look Period: ****
(Free look period may vary by state)
Rate Lock Protection: ****
Bail Out Provision Available: ***
*** *** ***: ****
Loan Provision Available: ***
*** *** ***: ****
Tax Sheltered: ***
Market Value Adjustment: ***
MRD: ***
Front-End Fee: ***
Annual Maintenance Fee: ***
Return of Premium Available: ***
Death Benefit is: *** ****
Premiums
  Non-Qual Qualified
Min Single Premium: **** *******
Max Single Premium:
Age < xx: **** *******
Age > xx: **** *******
Payroll Deduction: **** ****
Min Added Premium: **** ****
Flexible Premiums ******* : ****  
Min Single Premium Impaired: ****** ******
Min Single Premium Period Certain: ****** ******
 
Age Restrictions
  Min Age Non-Qual Qualified
Owner:   ***** *****
Annuitant: ***** ***** *****
Impaired:   ***** *****
Annuitization Age:   ***** *****

***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****


Systematic Withdrawals


Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****

**** *** ***** ** $****.**
*** *** ****** *** $****.**
**** ***** ******* ***** ******* * ****** ***** ****

Commissions
Effective date of commission schedule: 01/01/2017
Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.
Retirement Gold (Index 02-09)
(All approved states except those listed below)
Up to age 78 Year 1 Year 2 Year 3 Year 4 Year 5
Initial Premium: **** **** **** **** ****
Renewal Premiums: **** **** **** **** ****
IN
Up to age 73 Year 1 Year 2 Year 3 Year 4 Year 5
Initial Premium: **** **** **** **** ****
Renewal Premiums: **** **** **** **** ****
Ages 74-78 Year 1 Year 2 Year 3 Year 4 Year 5
Initial Premium: **** **** **** **** ****
Renewal Premiums: **** **** **** **** ****

Commissions listed a --[ subscription required to view full text ]--
*********** ****** ***** ** ***** * *** * *** *** ******** ******** ** *** ***** ****.


Related Information

Other American Equity Investment Life Insurance Company Products

MYGA
Guarantee 5 (ICC13 MYGA)
Guarantee 6 (ICC13 MYGA)
Guarantee 7 (ICC13 MYGA)
Fixed Annuity
RateShield 10
RateShield 10 MVA
RateShield 10+
RateShield 10+ MVA
RateShield 7
RateShield 7 MVA
Fixed Indexed Annuity
Advantage Gold (Index-6-07)
Benefit Gold (ICC13 IDX7)
Bonus Gold (Index 1-05) DE
Bonus Gold (Index 1-07)
California Foundation Gold
California Gold
Choice Series 10 (ICC14 IDX8-10)
Choice Series 10 MVA Option (ICC14 IDX8-10)
Choice Series 6 (ICC14 IDX8-6)
Choice Series 6 MVA Option (ICC14 IDX8-6)
Choice Series 8 (ICC14 IDX8-8)
Choice Series 8 MVA Option (ICC14 IDX8-8)
CT Gold
Foundation Gold
Retirement Gold (INDEX-4-10-FL.3)
Traditions Gold (ICC11 IDX4)
SPIA
SPIA-1

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