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.
Income-focused annuity
Focused on income with growth potential
Daily roll-up for faster growth to maximize your income potential
A powerful LIBR grows your IAV through a daily credited, 12% simple interest roll-up, optimizing income for those expecting to take income in six or more years from contract issue. 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.
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:
You pass away prior to income starting - Spouse decides when to start lifetime income. Payout percentage based on age that their income begins.
If you started single life income - Upon death the income payment is adjusted based on remaining IAV and spouse’s age, up to contract maximum. Income continues until IAV reaches $0.
You choose joint life income - Spouse will continue receiving the established income payments as long as they live
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.
Up to 5 years of enhanced income
Double your income for single payout
Increase your joint payout by 50%
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, ICC23 E-E-BPT, ICC17 E-R-MVA, ICC20 E-R-EBR, ICC25 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
The roll-up rate is applied to your contract’s Income Account Value (IAV), which is your premiums paid plus interest. The roll up rate ends when income payments begin or the accumulation period (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 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.
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.