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American Equity Investment Life Insurance Company


SPIA-1


A SPIA
This product is not available in *** *** *** *** *** *** *** *** ***

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



Premium Bonus
- none -

Policy Notes

Immediate Annuity Benefits
The Immediate Annuity provides income guaranteed not to --[ 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:   ***** *****

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    Payout Options
    Life Options
    Life Only for: Single Only
    Installment Refund: Yes
    Cash Refund: No
    Survivor Benefit: 50% 66.6% 100%
    Period Certain Options
    Period Certain Terms: 5 to 25 Years
    Survivor Benefit: 100% 
    Life Plus Period Certain
    Life plus Certain: Not Available
    Life +Certain Terms: 5 to 25 Years

    Systematic Withdrawals


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

    **** *** ***** ** $****.**
    *** *** ****** *** $****.**
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    Commissions
    Effective date of commission schedule: 01/01/2019
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.
    SPIA-1
    Up to age 90  
    Initial Premium: ****

    Less than 10 years Period Certain

    SPIA-1
    Up to age 90  
    Initial Premium: ****

    Related Information

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    Choice Series 8 (ICC14 IDX8-8)
    Choice Series 8 MVA Option (ICC14 IDX8-8)
    Foundation Gold: No LIBR
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    IncomeShield 10
    IncomeShield 10 w/ LIBR
    IncomeShield 7
    Retirement Gold (Index 02-09)
    Retirement Gold (INDEX-4-10-FL.3)

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