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.

All products and/or options may not be available in all states or with all broker-dealers or financial institutions.