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Guarantees: Death, Taxes Lifetime Income

Guarantees: Death, Taxes Lifetime Income. Wade Eldridge Marketing Director American Equity Investment Life Insurance. Wade Eldridge. Marketing Director- Northwest Region American Equity Investment Life Insurance. Thank you!. AMERICAN EQUITY EVOLUTION.

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Guarantees: Death, Taxes Lifetime Income

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  1. Guarantees: Death, Taxes Lifetime Income Wade Eldridge Marketing Director American Equity Investment Life Insurance

  2. Wade Eldridge Marketing Director- Northwest Region American Equity Investment Life Insurance

  3. Thank you!

  4. AMERICAN EQUITY EVOLUTION • 0 to $22.1 Billion in Assets (03/31/11) • 0 to 37,000 Agents (03/31/11) • 0 to over 375,000 policyholders (03/31/11) • 1 to 50 States • #3 All Time Indexed Annuity Sales • #1 in Service *Advantage Compendium

  5. EFFICIENCY • Top 5 most efficient companies in the Life & Health Insurance Industry as ranked by Revenue Per Employee (RPE): #1 American Equity $3.02M #2 Phoenix $2.89M #3 Presidential Life $2.75M #4 Aflac $2.49M #5 National Western $1.86M Source: Comtex News Network 12.29.10

  6. SOLVENCY: AEL vs. Top 25 COMPANIES Solvency: Assets over Liabilities indicates financial soundness and a company’s ability to meet all obligations as they come due. Assets for each $100 of Liabilities as of Dec. 31, 2010. Source: 2011 Standard Analytical Service, 2011 Independent Comparative Report

  7. SOLVENCY: AEL vs. PEER COMPANIES Assets for each $100 of Liabilities as of Dec. 31, 2010. Source: Best’s Insurance Reports – Life Health, US 2011 Edition (2010 Annual Data)

  8. CAPITAL COMMITMENT Total Statutory Capital and Surplus* $1.5 Billion $1.3 Billion Millions $1.0 Billion $1.0 Billion $1.0 Billion $713Million $636Million $404 Million $247Million $194 Million *Includes AVR and IMR

  9. GOLD EAGLE MEMBERSHIP AEL Stock Options *Excludes Guarantee Series (SPDA-MYGA) and Internal Transfers

  10. GOLD EAGLE MEMBERSHIP Gold Eagle Money *Excludes Guarantee Series (SPDA-MYGA) and Internal Transfers

  11. GOLD EAGLE MEMBERSHIP • Member Benefits • Stock Options • Gold Eagle Money • Signature Guarantee Service • Series 6, 7, 65 or 66 • AEL Fed Ex Rates • Discounted Dell Computers • Online Client Statement Access

  12. Lifetime Income Benefit Rider (LIBR-2010) Planning Today to Supplement the Future American Equity Investment Life Insurance CompanyWest Des Moines, Iowa

  13. WE’RE LIVING LONGER In 2000, there were 50,000 people age 100+. In year 2010 it is estimated that there will be over 131,000 people 100+ 85+ year old population is projected to increase by over 43% by 2010 and 70% by 2020 Source: National Center for Health Statistics and the U.S. Bureau of Census

  14. WE’RE LIVING LONGER • Today’s 65 year old has the following likelihood of attaining: Source: SOA-rp 2000 table

  15. How Does the Lifetime Income Benefit Rider Work?

  16. 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 5% or 8% on your Income Account Value (IAV). If CV is larger, your IAV will step up to the Contract Value.

  17. LIFETIME INCOME BENEFIT RIDER(LIBR-2010) • 5% Roll Up – NO FEE – All issue ages • 8% Roll Up – Fee 90 bps. Available on ages 50+ • Elect 5% or 8% at point of Sale • Fee Calculated on Contract Value • Many Competitors calculate on Income Account Value • Fee Deducted from Contract Value • Most Competitors deduct from Contract Value

  18. FEES MATTER $150,000 $200,000 Hypothetical Example: Income Account Value Fee Contract Value 75 bps - $1,500 $1,500(fee = of $200,000) 75bps American Equity: Income Account Value Contract Value Fee $150,000 $200,000 90 bps $1,350 (fee = of $150,000) - $1,350 90bps In the hypothetical example the fee is calculated off of the Income Account Value but applied to the Contract Value. The fee calculated off of the IAV is the same % every year.

  19. FEES MATTER Hypothetical Example: $1,500 Fee $150,000 100 bps* American Equity: $1,350 Fee $150,000 90 bps = = *In the hypothetical example the fee is calculated off of the Income Account Value but applied to the Contract Value. The fee calculated off of the IAV is the same % every year. When the fee is deducted from the Contract Value the % may vary each year.

  20. SALES IDEA – TIC TAC TOE Higher Rate of Return Lower return INDEXANNUITY MutualFund CD Safety of Premium Risk of Principal

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