Guaranteed income. Greater peace of mind.
Eagle Select® Income Focus — options to suit your needs
Ensure income that cannot be outlived with index-linked products that provide a built-in Lifetime Income Benefit Rider (LIBR) and the opportunity for growth through fixed and index-linked strategies.
Eagle Select Income Focus
Our flagship guaranteed-income fixed index annuity (FIA), available with a 7-year surrender charge period. Issue ages 50-85.
Eagle Select Income Focus 10
Featuring greater interest-crediting potential. Available with a 10-year surrender charge period. Issue ages 50-80.
Eagle Select Income Focus 9
California only. Featuring greater interest-crediting potential. Available with a 9-year surrender charge period. Issue ages 50-80.
Focused on income with growth potential
Daily roll-ups for faster growth to maximize your income potential
A powerful LIBR grows your IAV through a daily credited roll-up. This isn’t a one-time annual credit, it’s added every day and continues until your income start date, ensuring your guaranteed lifetime income base is growing every day you wait. Choose between a 14% daily roll-up for earlier income needs and a 12% daily roll-up for longer deferrals.
Support for your spouse with continuation options and flexible payouts
With spousal continuation, your surviving spouse may choose to continue the annuity contract and keep receiving guaranteed income payments under the same rider provisions. They can also choose a payout option that works best for them, ensuring your annuity remains a source of protection and income security — not just for your lifetime, but for theirs as well. Common scenarios include:
Take advantage of an income boost if health events affect daily living
The Wellbeing Benefit built into Eagle Select Income Focus can potentially double your guaranteed lifetime income payments for up to five years. There’s no confinement or expense proof required, only certification from a licensed healthcare practitioner. After five years, income resumes at its base level, keeping you on track for lasting retirement security.
Product materials
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Annuity contract issued under form series ICC23 E-BASE-IDX, ICC23 E-IDX-C-7, ICC23 E-IDX-C-10, ICC21 E-E-PTP-C, ICC21 E-E-PTP-PR, ICC17 E-R-MVA, ICC20 E-R-EBR, ICC21 E-R-LIBR-W-FSP, and state variations thereof. Availability may vary by state.
Rider fee is calculated based on the income account value and deducted from the contract value on each contract anniversary as long as the rider is attached to the contract. Provisions of the Lifetime Income Benefit Rider, such as Income Account Value Accumulation Rates may change prior to issue. Income Account Value is only used to calculate Lifetime Income. It is not part of the underlying Contract Value, or available in a lump sum
Assuming no withdrawals, the Income Account Value of Option 1 is greater than Option 2 until 5 years and 10 months, after which Option 2’s IAV is greater.
The roll-up rate is applied to your contract’s Income Account Value (IAV), which is your premiums paid plus interest. These roll-up rates end when income payments begin or the accumulation period (5 or 10 years) ends, whichever comes first. The amount of income available depends on multiple factors, including how long the IAV grows, age when payments begin and the frequency of payments.
To activate the Wellbeing Benefit attached to the Eagle Select® Income Focus FIA, you must be unable to perform two of six (or seven in CA) activities of daily living (ADLs). You may receive payments that are as much as double your original income payments (single contract owners) or up to 150% (for joint owners) for up to five years. A two-year waiting period from when the contract begins applies.
Important Disclosures Regarding Wellbeing Benefit in CA: The wellbeing benefit provided under this rider is not intended to provide, and will never provide, long-term care insurance, nursing home insurance, or home care insurance. If you are interested in long-term care or nursing home care insurance, you should consult with an insurance agent licensed to sell that insurance or visit the California Department of Insurance Internet Website (www.insurance.ca.gov) section regarding long-term care insurance. The wellbeing benefit is not a substitute for and is not comparable to long-term care insurance. If you are replacing existing long-term care insurance with this wellbeing benefit, you should first discuss the intended replacement with your long-term care or economic advisor.
Standard and Poor’s has a history that dates back more than 150 years and is known to investors worldwide as a leader of financial-market intelligence. Today, Standard and Poor’s provides investors with market information like credit ratings, indices, investment research and risk evaluations and solutions.
Eagle Life - Standard and Poor’s rating service has recognized Eagle Life Insurance Company® with an “A” rating. An insurer rated “A” has strong financial security characteristics, but is somewhat more likely to be affected by adverse effects of changing circumstances or economic conditions than are insurers with higher ratings. Ratings from ‘AA’ to ‘CCC’ may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories. Rating effective 5/6/2024
Surrender charges may apply to excess withdrawals that exceed the annual free withdrawal available under the contract. You may be subject to a 10% federal penalty if you make withdrawals before age 59½.
Guarantees are based on the financial strength and claims-paying ability of the issuing company. Eagle Life Insurance Company® is a wholly owned subsidiary of American Equity Investment Life Insurance Company®.
This material is for informational purposes only, and is not a recommendation to buy, sell, hold or rollover any asset. It does not take into account the specific financial circumstances, investment objectives, risk tolerance or need of any specific person. In providing this information, Eagle Life is not acting as your fiduciary as defined by the Department of Labor. Eagle Life does not offer legal, investment or tax advice or make recommendations regarding insurance or investment products. Please consult a qualified professional.