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American Equity Investment Life Insurance Company

Freedom Gold (Index-4-07)

(RETIRED)

A Fixed Indexed Annuity with a 8-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

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

Rates

	Current Rates xx/xx/xxxx		Guaranteed Minimum Values
	Cap	Part Rate	Cap	Part Rate
1-Year Dow Jones Monthly Average Cap	***	***	***	***
1-Year Dow Jones Point-to-Point Cap	***	***	***	***
1-Year Lehman U.S. Aggregate Point-to-Point	***	***	***	***
1-Year S&P 500 Monthly Average Cap	***	***	***	***
1-Year S&P 500 Monthly Average PR	***	***	***	***
1-Year S&P 500 Monthly Point-to-Point	***	***	***	***
1-Year S&P 500 Point-to-Point Cap	***	***	***	***
1-Year S&P 500 Point-to-Point PR	***	***	***	***
Fixed (Rate guaranteed for 1 Year)	.* %		.* %

State Specified Minimum Interest Rate: ****

Premium Bonus
- none -

Policy Notes

A Flexible Premium Equity Index Annuity offering the following Index Options:

* 1-Year S&P 500 Mo --[ subscription required to view full text ]--
* ******** ******* ****** ***** ******* ******** *** ********* ***** *******:

* *-**** *&* *** ******* ******* ************* ****
* *-**** *&* *** ******* ******* ***
* *-**** *** ***** ******* ******* ***
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* *-**** *&* *** *****-**-***** ***
* *-**** **** ***** *****-**-***** ***
* *-**** *&* *** ******* *****-**-***** ***
* *-**** ****** ******** *.*. ********* *****-**-*****

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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:		*****	*****
*** * * ** * **** * *** ** * **** * ****** * *** * * ** * **** * *** * * * ** * **** * *****

Systematic Withdrawals

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

**** *** ***** ** $****.**
*** *** ****** *** $****.**
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MVA Explanation
Verify state availability with carrier

No MVA --[ subscription required to view full text ]--
** ***

Commissions
Commissions are ***** *** * *** * *** * ** ***** ***.

Freedom Gold (Index-4-07)

Up to age 75

Year 1

Year 2

Year 3

Year 4

Year 5

Initial Premium:

****

Renewal Premiums:

****

Ages 76+

Year 1

Year 2

Year 3

Year 4

Year 5

Initial Premium:

****

Renewal Premiums:

****

If the annuitant and owner are different, commissions will be based on the older age.
Commissions will be --[ subscription required to view full text ]--
1. ** *** ********* *** ***** *** *********, *********** **** ** ***** ** *** ***** ***.
2. *********** **** ** ******* **** ** *** ******** ********* ** *** *********/***** **** ** ******* ****** ** ******* ** *** ***** ******** **** *** ******** ****** ***** *** ** * **** *** ** ********** ** *** **** ** *****, *** *** **** ** ******. *** ****** **** ** ***** ** ***% ** *** ***** ****** ***** *** ******* ** */* **** ***** **********. ****** *** *** ******* ***** ** (****-*-**), ** * ******* ************ ** **** *** *** ****** ************ ******* ** **** * **** ********* ***** **** ** * ****** **** ** ********* **:
  - *** ******** **** -***% ** *** ***-**** ****** ***** ** **** ** *****.
  - *** ******** **** - **% ** *** ***-**** ****** ***** ** **** ** *****.
  - *** ******** **** - **% ** *** ***-**** ****** ***** ** **** ** *****.
  - *** ******** **** - **% ** *** ***-**** ****** ***** ** **** ** *****.
3. *********** **** *** ** **** ** ******** ******** ***** *** **** ** ***** ** ** ***** ** *********.
4. ** ******** *** ************ ********** ** *** ****** *** ***** ****, *** ******** **** ** ****** *** *** ***** **** ** ** **** ******** **** *** *******.