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The Foundation Gold without LIBR is a deferred fixed indexed annuity issued by American Equity Investment Life Ins Co. This annuity offers 7.00% as an upfront bonus. When your full premium deposit is allocated to the fixed interest account, the current first year yield (including bonus if applicable) is 8.23% (see Rate Details below).


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The way that this is possible is because the lifetime income is in the form of regular withdrawals from your contract, rather than via annuitized payments.
Because before going any further, it is important to know the whole story.
Yes, there is always another side to the story!
This is where the Annuity Gator comes in.
So here goes: First off, with regard to the Income Account Value IAVit is important to understand that this is simply an accounting value american equity bonus gold annuity with libr is used for calculating your Lifetime Income Benefit.
Also, while it can be easy to get caught up in the hypothetical figures that are stated in the case studies and other product information, keep in mind that numbers are just exactly american equity bonus gold annuity with libr — hypothetical.
How this annuity and its accompanying riders will actually perform will be based on the various options that you choose, as well american equity bonus gold annuity with libr the performance of the underlying index es.
So, how much income can you really get if you opt for adding the Click Income Benefit Rider LIBR to the American Equity Bonus Gold Annuity?
That will actually depend on several factors.
In addition, even though you may take withdrawals at any time — either before or after starting the Lifetime Income Benefit payments — if you do end up taking any before your LIB payments begin, then the income account value IAV payments will, in turn, be reduced on a pro rate basis.
There are a lot of variables here.
Given that, the only way to really know how this annuity may perform is to use our American Equity Bonus Gold calculatorwhich can offer you figures that are designed for plugging in numbers that relate to your specific situation.
In addition, if you do end up getting payments based on the Lifetime Income Benefit, all of these payments are considered to be a withdrawals from the contract value — and in turn, any part of the withdrawal that is considered to be deferred interest will be taxable to you as ordinary income at your then-current income tax rate.
This means that if you rolled the money over into this annuity from a qualified plan such as a 401k, and all of your deposits into that plan were pre-tax, then 100% of these income payments will be taxable as income to you.
Also, depending on which of the Lifetime Income Benefit options you choose, you could be hit with additional fees — which in turn, can essentially reduce the amount of return, and thus the amount of income that you can ultimately receive in the future.
For example, while the lifetime income option with an IAV rate of american equity bonus gold annuity with libr />The Lifetime Income Benefit with the IAV rate of 5.
There are also fees involved if you choose the Lifetime Income Benefit and Wellbeing Rider options.
In this case, the option with the compounding IAV rate of 6% will click you an annual rider fee of 1%, while the Lifetime Income Benefit and Wellbeing Rider that offers a compounding IAV rate of 5.
Want an Unbiased Opinion That Can Actually Help You Determine Whether This Benefit is Really Right for You?
Our team of annuity experts are here to help you wade through the myriad of information and hypothetical figures, so that you can ultimately determine whether or not going with this annuity rider will be in your best interest…or if it will just end up costing you additional annuity fees.
Just simply reach out to us via our and we will be happy to help.
Nothing on this website is a recommendation to buy or sell an annuity.
All content is for educational purposes only.
No product companies have endorsed the reviews on this site, nor is AnnuityGator.
Reviews are posted at the request of readers so they could see an independent perspective when breaking down the positives and negatives of specific annuity contracts.
Before purchasing any investment product be sure to do your own due diligence and consult a properly licensed professional should you have specific questions as they relate to your individual circumstances.
All names, marks, and materials used for the reviews on this site are property of their respective owners, and not those of AnnuityGator.
Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer.
Annuity riders may be available for an additional annual premium that can provide additional benefits and income guarantees.
By contacting us you may speak with an insurance licensed agent in your state, and you may be offered insurance products for sale.

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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.


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Annuity Review of the Foundation Gold with LIBR | AnnuityAdvantage
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At first glance, the opportunity to receive a 10% bonus is a very attractive, but beware… This american equity bonus gold annuity with libr has a very long surrender period!
One of the longest in the industry today, this annuity has very low caps and participation rates.
With such a long surrender period this is one you may have to live with the remainder of your retirement years.
So we put this in the Best Use category for Income or Long Term Care.
December 2017 Type: Fixed Index Best Use: Income, Long Term Care Company: American Equity Investment Life Ins Co.
American Equity is a solid U.
They are one of the leading index annuity companies in the industry with over 41 billion in assets.
Started in 1995, American Equity has achieved remarkable growth, becoming 3 overall in index annuity sales.
American Equity is definitely a very good and fair company that has always had very consistent renewal rates.
So from a company standpoint they are a solid choice.
Annual Point to Point Bond, 5.
A lot of choices are available with the Bonus Gold, so how do you know what is the best option and what exactly have the returns been with the current cap rates?
These are the highes t 10-year annualized returns over the last 20 years of the market, 1996 through 2016.
The lowest 10-year return was 1.
Since this is a 16-year contract, can we say best case 2.
If we add in the 10% bonus, best case would be a total annualized return of 3.
American Equity offers this rider with 3 choices: 6% guaranteed for 10 years and a declared rate for the remaining 10 years To be determined at that time with a.
source is known as their Wellbeing Benefit Rider and has a fee of 1%.
With the last option the rider rollup rate is determined by the index american equity bonus gold annuity with libr in the account value.
Currently they are crediting 400% of the gain in the read more value, so for example if the gain is 2% the rollup rate will be 8%.
This is only guaranteed for the first year and could change.
Also please click for source years there are not index gains then the rider will not have any gains as well.
The cost for this rider is.
Keep in mind the fee is based on the higher Income Account Value, which is a hypothetical number used to calculate income and not the actual account value, which is your real money.
Over time the fees for the riders can add up significantly.
So which option is the best?
First of all since the indexing option is simply index gains, and since we have already determined a best case scenario for the best performing index option, the low volatility index, has averaged at best, a 2.
Unfortunately American Equity will only guaranteed the 400% index credit to the rider for one year, so this could change significantly.
At this point since it is a total unknown, there is a risk that this could underperform significantly in the future.
If you expect to take income within 10 years, and you want american equity bonus gold annuity with libr guarantee, then the 6% rider is the best option.
IF this is the case there are far better product options out there that will guarantee the returns far better then just one year.
With the Bonus Gold, both the account value and the income value will receive the 10% bonus.
Is using the LIBR a good option for Joe and Jane?
The balanced portfolio would need to earn an annualized return of 7.
If you think that you can do better investing your funds in the market then using an annuity may not be read more best choice.
What american equity bonus gold annuity with libr nice about the LIBR is it is guaranteed and Joe and Jane know exactly what their income will be at age 70 so they can plan accordingly.
If they decided to add the Well Being Rider that doubles for long term care needs then this starts to look even better.
So for younger people the rider works out well, if the rider has time to work over time.
If Joe and Jane looked to american equity bonus gold annuity with libr on their income within the first few years, we have found the rider is less valuable and instead a good accumulation annuity may be a better option.
We have done extensive research on using riders compared to just using a good accumulation annuity, and this should be part of your analysis before your decide to purchase an income rider.
Long Term Care Benefits Another option within the choices of the Lifetime Income Benefit Rider is the Wellbeing Benefit which doubles the income payment if one is unable to perform 2 out of 6 activities of daily living, if a single payout option is chosen.
If a joint payout is selected then the payout decreases to 150% of the income amount.
This benefit can be utilized anytime after the first two years of the initial contract date of the annuity, and will double the benefits for 5 years.
Compared to other Income Riders with LTC benefit, where American Equity falls short, is with the payout only increasing by 150% for the joint payout.
There are other LTC Income riders that will double the payment even with a joint payout.
There are a number of considerations you should keep in mind regarding the Long Term Care benefits within the rider.
One is if the accumulation value of the annuity goes to zero, due to withdrawals, the doubler will no longer be available.
There are a few lncome Riders with the Long Term Care doubler, where the doubler will continue even if the account value reaches a zero balance.
This can be important at older ages after receiving income for many years.
American Equity does allow the LTC benefit of the rider to be used even if a spouse is not listed on the contract, which is a nice feature.
Overall the LIBR with American Equity has offered a reasonably competitive Income Rider and with the LTC feature it stacks up well with the competition and in some cases may be the best option for providing a Guaranteed Lifetime Income.
Shop Income Riders Before You Decide How do I know if the Bonus Gold with the LIBR from American Equity is the highest income available today?
It is a very competitive marketplace for income riders, and it varies considerably depending upon your age and when you expect to take income, so the only way you will know is we need to run american equity bonus gold annuity with libr report against all the riders in the industry today to find the best opportunity for you.
We have the ability to provide you this report free of charge so fill out the form and make sure your getting the best deal before you commit yourself for 16 years!
For an accumulation annuity, the Bonus Gold falls short, with very low cap rates and only one uncapped point to point option with anything substantial, the Low Volatility Index, which has a pretty high asset fee of 3.
Buyer beware, as the sound of a 10% bonus sounds very appealing, but has the rest of the story been told to you regarding what type of returns you can expect?
Here is an example of where it really pays to shop before signing on for 16 years!!
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(Rates Subject to Change) ectie 053119 Indexed Annuities The one who works for you ® Page 1 of 15 01PPFI 05.31.19 For Agent Information Only. Not for use in solicitation or advertising to the public.


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Index Annuity Market Share (Sales) 2012 2013 2014 1 Allianz 15.90% 1 Allianz 15.56% 1 Allianz 27.16% 2 Aviva 11.95% 2 Security Benefit 11.75% 2 Security Benefit 8.92% 3 American Equity 10.55% 3 American Equity 10.40% 3 American Equity 8.85% 4 Security Benefit 8.67% 4 Great Am erican 7.91% 4 Great American 6.61%


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American Equity provides you with opportunities to withdraw funds at any time (subject to applicable . surrender charges). Our annuity contracts allow penalty-free withdrawals of up to 10% after the first contract anniversary. American Equity also has available certain riders that increase liquidity in the event of confinement to . a nursing.


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Consult an advisor to discuss your specific financial needs. American Equity, its management, employees, representatives, agents, and affiliates do not accept responsibility for any errors or omissions in relation to this calculator and do not accept liability for any loss, damage, or inconvenience caused in reliance on this calculator.


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American Equity does not allow a business, corporation, or funeral home to be named the Beneficiary of an annuity contract. American Equity does not allow the writing Agent to be the Beneficiary on an annuity application unless he/she is the spouse. In a Joint Owner situation, we suggest


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American Equity Volatility Control Index Annual Reset Asset fee 2.50% or 2.25% – Bonus Gold is 2.25% – Retirement Gold, Foundation Gold, Advantage Gold and Benefit Gold are all 2.50% No cap or participation rate All products except Integrity, Heritage and Traditions Gold New sales only initially


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American Equity offers four choices with our Lifetime Income Benefit Riders. You need to determine which option best suits your needs. Option 1: Lifetime Income Benefit Rider (ICC13 R-LIBR.1)*-Available for all issue ages. This lifetime income option offers an IAV rate of 4.5%. There is no rider fee associated with this option at issue.


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