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Payout factors increasing by approximately 10% on many of IncomeShield's Lifetime Income Benefit Rider (LIBR) options!

Retirement is changing, and how your clients plan for the long-term is changing too. At American Equity, we remain dedicated to providing fixed index annuities that fit your clients’ goals, especially with their need for a source of guaranteed lifetime income.

We are excited to announce the payout factors on all IncomeShield LIBR options are changing from gender-specific to unisex. LIBR fees are now based on the Income Account Value instead of the Contract Value.

These adjustments result in an approximate increase of 10% on IncomeShield LIBR payout factor options with a rider fee. See chart below for new payout factors.

image - table of Payout Factors for IncomeShield CA

Lifelong income options designed for your clients

Allocating a portion of their portfolio to a fixed index annuity is one option that could help them fill monthly income gaps. For example, a 60-year-old female client is considering purchasing an annuity using IncomeShield 9 with a lifetime income benefit rider (LIBR) and starting income at age 65*. No matter how much she decides to purchase, she can feel confident knowing she has monthly income options that will last a lifetime.

Annuity Premium Amount	Monthly lifetime income payment
$100K	$598.94
$250K	$1,497.35
$500K	$2,994.71
$750K	$4,492.07
$1 Million	$5,989.43

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LIBR available for issue ages 50+.
*LIBR available for ages 50+. Hypothetical example includes the following assumptions: an Income Account Value (IAV) rate of 7.25% simple interest; a 7% bonus on first year premium; a single life payout factor of 4.93%; and no withdrawals from the annuity contract. Rates are set at issue and are subject to change. A rider fee will be deducted from the contract value each year the rider is active. See disclosure and sales brochure for details.
Annuity contract and riders issued under form series CA17 BASE-IDX-B, CA17 BASE-IDX, 17 IDX-11-9, 17 IDX-10-7, 20 R-LIBR-FCP and 20 R-LIBR-FSP.
Guarantees are based on the financial strength and claims paying ability of American Equity and are not guaranteed by any bank or insured by the FDIC.
Income Account Value is used to calculate Lifetime Income. It is not part of the underlying Contract Value, or available in a lump sum.
American Equity Investment Life Insurance Company® does not offer legal, investment, or tax advice. Each client has specific needs which should be discussed with a qualified legal or tax advisor.