American Equity – LIBR Rate Change and Product Discontinuation Effective Dec. 31, 2015

Hurry! Rate Change!
Rate Adjustments and Product Changes Effective Dec. 31, 2015

Due to the required use of new mortality factors that will cause higher reserve requirements for guaranteed income riders issued in 2016, American Equity is announcing rate changes to its Lifetime Income Benefit Rider. Additionally, the Enhanced Death Benefit and the Heritage Gold product will both be discontinued.

Lifetime Income Benefit Rider
To receive current Income Account Value (IAV) rates on the Lifetime Income Benefit Rider (LIBR), original applications along with cash or 1035/Direct Transfer paperwork must be received in our office by 4:45PM CST on Wednesday, Dec. 30, 2015. No faxes will be accepted. Applications received Thursday, Dec. 31, 2015, and after will require new disclosures and receive new rates. NO EXCEPTIONS! There are no fee changes.

Also, effective Thursday, Dec. 31, 2015, the Enhanced Death Benefit Rider (ICC14 R-LIBR-EDB) will be discontinued. Applications choosing to elect this rider must be received in our office by 4:45PM CST on Wednesday, Dec. 30, 2015. NO EXCEPTIONS!

New LIBR Rates

Choice Series Version – Optional

Fixed Lifetime Income Benefit Rider

Heritage Gold (ICC11-IDX2)
Effective Thursday, Dec. 31, 2015, all sales for the Heritage Gold will be discontinued. Applications for this product must be received in our office by 4:45PM CST on Wednesday, Dec. 30, 2015. NO EXCEPTIONS! Please discard any brochures, disclosures and marketing material you have relating to this product.

Call our Marketing Department at 888-647-1371 or visit our website for more information.Thank you for your business and support!

Riders issued under form number ICC14 R-LIBR-ED.

Thank you!

Sales Support Team @ Transpacific Financial Inc.