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The BONUS GOLD (INDEX-1-07)*

The BONUS GOLD (INDEX-1-07)*. *Varies by state. BONUS GOLD (INDEX-1-07)*. 10% PREMIUM BONUS On all 1 st year Premiums (5% Premium Bonus ages 81-85). *Varies by state. BONUS GOLD (INDEX-1-07)*. 13.58% 1 ST YEAR EFFECTIVE YIELD**. *Varies by state.

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The BONUS GOLD (INDEX-1-07)*

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  1. The BONUS GOLD(INDEX-1-07)* *Varies by state

  2. BONUS GOLD (INDEX-1-07)* • 10% • PREMIUM BONUS • On all 1st year Premiums (5% Premium Bonus ages 81-85) *Varies by state

  3. BONUS GOLD (INDEX-1-07)* • 13.58% • 1ST YEAR EFFECTIVE YIELD** *Varies by state **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.

  4. BONUS GOLD (INDEX-1-07)1 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

  5. BONUS GOLD (INDEX-1-07)1 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

  6. BONUS GOLD(INDEX-1-07)1 • 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.

  7. Minimum Guaranteed Surrender Value (MGSV) • MGSV equals 88% of premium day 1(issue ages 0-80)

  8. BONUS GOLD (INDEX-1-07)* • Issue Ages: 0 – 85 Non-Qualified • 0 – 80 Qualified • Minimum Initial $5,000 • Premium: • Maximum Premium: 0-69 $1,000,000 • 70-79 500,000 • 80-85 250,000 • Prior 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.

  9. 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)

  10. The INTEGRITY GOLD (INDEX-5-07)* *Varies by state

  11. INTEGRITY GOLD (INDEX-5-07)1 1Varies by state2Current Caps and Participation Rates are reset annually 3Current Asset Fees are set at issue and guaranteed for the life of the Contract

  12. INTEGRITY GOLD (INDEX-5-07)* • Issue Ages: 0 – 85 Non-Qualified • 0 – 80 Qualified • Minimum Initial $5,000 • Premium: • Maximum Premium: 0-69 $1,000,000 • 70-79 500,000 • 80-85 250,000 • Prior 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.

  13. 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

  14. Lifetime Income Benefit Rider (LIBR-2008) Planning Today to Supplement the Future American Equity Investment Life Insurance CompanyWest Des Moines, Iowa

  15. How Does the Lifetime Income BenefitRider Work?

  16. Greater Of LIFETIME INCOME BENEFIT RIDER (LIBR-2008) CHOOSE ONE 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.

  17. GUARANTEED INCOME PERCENTAGE OF IAV

  18. LIFETIME INCOME BENEFIT RIDER (LIBR-2008) • 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

  19. STEP-UP PROVISION • After 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

  20. LIFETIME INCOME BENEFIT RIDER (LIBR-2008) Example #1 +MSGV = 3% on 80% of 1st year premium plus bonus*IAV only used to calculate lifetime payments

  21. LIFETIME INCOME BENEFIT RIDER (LIBR-2008) Example #2 +MSGV = 3% on 80% of 1st year premium plus bonus*IAV only used to calculate lifetime payments

  22. LIFETIME INCOME BENEFIT RIDER (LIBR-2008) Example #3 +MSGV = 3% on 80% of 1st year premium plus bonus*IAV only used to calculate lifetime payments *A Rider Fee of 0.45% will be deducted fro the Contract Value annually if the 8% IAV Growth Rate is selected

  23. LIFETIME INCOME BENEFIT RIDER (LIBR-2008) Example #4 +MSGV = 3% on 80% of 1st year premium plus bonus*IAV only used to calculate lifetime payments *A Rider Fee of 0.45% will be deducted fro the Contract Value annually if the 8% IAV Growth Rate is selected

  24. DEFERRAL EXAMPLE What 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

  25. SALES IDEAS • Pit Integrity Gold vs Bonus Gold • 2 Dollars 3 Quarters & 2 Dimes • Use our Sales CD-ROM

  26. Thank you!

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