From the desk of Kirby Wood Senior Vice President

and Chief Marketing Officer
(888) 221-1234, ext. 3582
February 19, 2015

Dear Valued Producer,

Today’s low interest rate environment is challenging all of us in the retirement savings business to emphasize the principal protection and income features that Fixed Indexed Annuities (FIA) provide. High quality investments, responsible income rider design,
and pricing integrity are the foundation of American Equity’s commitment to safety and guarantees.


In order for us to continue investing your client’s premiums in high credit quality assets, we are going to reduce rates on many of our products effective

March 3, 2015.
CLICK HERE to view the rate grid and important deadlines regarding this change.

We recently introduced the Choice Series of Fixed Indexed Annuities. These products are designed to be broker-dealer friendly with competitive rates, that can also be sold by any of our licensed agents. Unfortunately, we made an error by publishing a commission
rate that was .50% too high. We will honor the published commission rate for applications that we receive in the home office through Friday, February 27, 2015 by 1:00 p.m. CST. The corrected commission schedules will be available at that time on our website.

American Equity continues to be the industry leader in providing guaranteed lifetime income for you and your clients.

There are no changes to the Lifetime Income Benefit Rider.

On behalf of my teammates here at American Equity, thank you for your partnership. Please do not hesitate to contact us at 888-647-1371.

Respectfully,


Kirby Wood

Senior Vice President and Chief Marketing Officer