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Thank you!. How Does the Lifetime Income Benefit Rider Work?. Greater Of. LIFETIME INCOME BENEFIT RIDER (LIBR-2010). CHOOSE ONE.

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  1. Thank you!

  2. How Does the Lifetime Income Benefit Rider Work?

  3. Greater Of LIFETIME INCOME BENEFIT RIDER (LIBR-2010) CHOOSE ONE When you are ready to elect income, the Company will look back and guarantee you earned at least 4.5% or 6.5% on your Income Account Value (IAV). If CV is larger, your IAV will step up to the Contract Value.

  4. LIFETIME INCOME BENEFIT RIDER (LIBR-2010)GUARANTEED INCOME PAYOUT PERCENTAGES

  5. LIFETIME INCOME BENEFIT RIDER (LIBR-2010) • Two Payment Options • Level Payment Option • Increasing Payment Option – 3% Guaranteed • NOT A POINT OF SALE DECISION • Client Decides Level or Increasing when they turn income on

  6. AEL LIBR STRENGTHS • 4.5% for NO FEE for all ages or 6.5% for 0.60%* for owner issue ages 50+ • No forced strategy allocation • Withdrawals do not cancel IAV** Rate • Can terminate LIBR any time • LIBR added to all indexed annuities+ • Fee Based on Contract Value • Up to 20 Years of Guaranteed IAV Rate *Annual fee taken from Contract Value **IAV only used to calculate lifetime payments. + Except 10/10 Gold and Heritage Gold. Call for availability

  7. Thank you!

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