American Equity Investment Life Insurance Company

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IncomeShield 10 with LIBR

The IncomeShield 10 with LIBR annuity is a fantastic choice if you want a stable income flow in your golden years. It's known for its predictable monthly payout, assuring you peace of mind, allowing you to enjoy your retirement worry-free.

The built-in Lifetime Income Benefit Rider (LIBR) is the cherry on the cake. It increases your income potential even more, ensuring your financial security. It's a well-rounded product that secures your future comfortably. An excellent choice for retirees!

IncomeShield 10 with LIBR

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About Product

Type

Fixed Index

Purpose

Lifetime Income

Premium Bonus

10%

Term

10 Years

Surrender schedule

9.1%

Fee withdrawal:

10%

Flexible premium

Product Life

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$5,000

Maximum Contribution

$1,500,000

Max Age Qualified

Types Of Funds

Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, Inherited IRA, NQ Stretch, and TSP

Launch Date

03/19/2018

IncomeShield 10 is a fixed index annuity designed to help protect hard-earned dollars from index fluctuations while offering interest growth opportunities based on increases in an index.

Please note five Lifetime Income Benefit Rider options with and without fees are available for this product. The client may choose ONE option only. A product without any rider is available separately.

Available in states: AL, AK, AZ, AR, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	2% Fixed
2-Year UBS Tech Edge PTP Participation rate	Point to Point Biennial	65% Participation
2-Year BlackRock Adaptive U.S. Equity 5% PTP Participation Rate	Point to Point Biennial	145% Participation
1-Year BlackRock Adaptive U.S. Equity 5% PTP Participation Rate	Point to Point Annual	95% Participation
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	20% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	3.25% Cap
1-Year SG Global Sentiment PTP Participation rate	Point to Point Annual	45% Participation
1-Year UBS Tech Edge PTP Participation rate	Point to Point Annual	45% Participation
2-Year SG Global Sentiment PTP Participation rate	Point to Point Biennial	65% Participation
1-Year BofA Destinations PTP Participation rate	Point to Point Annual	45% Participation
2-Year BofA Destinations PTP Participation rate	Point to Point Biennial	65% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate	Point to Point Annual	85% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Cap	Point to Point Annual	7.5% Cap
2-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate	Point to Point Biennial	125% Participation
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	1.3% Cap
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	30% Participation
2-Year S&P 500 PTP Cap	Point to Point Biennial	7% Cap

Surrender schedule

Year	1	2	3	4	5	6	7	8	9	10
Penalty	9%	9%	8%	7%	6%	5%	4%	3%	2%	1%

Riders

Name	Inbuilt	Fee
IncomeShield LIBR Option 2 - 8.25% Rollup	Yes	1.10% annually
IncomeShield LIBR Option 4 - 8.25% Rollup & Wellbeing Rider	Yes	1.20% annually
IncomeShield LIBR Option 5 - 6.5% Rollup & Wellbeing Rider	Yes	1.20% annually
IncomeShield LIBR Option 1 - 4.00% Rollup	Yes
IncomeShield LIBR Option 3 - 6.5% Rollup	Yes	1.10% annually

Waivers

Death

No Surrender Charges at Death

Enhanced Benefit

This rider provides both a qualified nursing care benefit and terminal illness benefit. After the first contract year, a one-time free withdrawal of up to 100% of the contract value is allowed if 1) the owner is confined to a qualified nursing care facility for a minimum of 90 days and confinement begins after the contract issue date; OR 2) the owner is diagnosed with a terminal illness after the contract is issued. Written proof is required. Included automatically for ages 75 and under for IncomeSheild Series.

Premium Notes

Minimum Premium:

$5,000

Maximum Premium:

18-69: $1,500,000
70-74: $1,000,000
75-80: $750,000

Contract owners must choose how to allocate the initial premium. Additional premium payments can be made subject to our approval. Additional premiums are automatically allocated to the Fixed Interest Strategy and may be subject to different rates. The contract values may be reallocated between strategies on the contract anniversary, subject to a minimum allocation value of $1,000 each.
Additional premium payments can be added either lump sum or systematic whenever.

Withdrawal Provisions

Free WithdrawalsThis is an opportunity each year (after the ﬁrst contract year) to take Free Withdrawals up to 10% of the Contract Value. For Cumulative Withdrawals, American Equity allows 10% of the contract value after the 1st contract year. The free withdrawal percentage is never more than 10%.Systematic Withdrawal of interest only from the Fixed Value, available after 30 days.

Company Founded: 1995

Excellent Rated Company

American Equity Investment Life Insurance Company

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