Eagle Select® Income Focus

Only 17% of respondents in a recent survey1 said they were very confident in their ability to maintain a comfortable lifestyle in retirement. Purchasing an Eagle Select® Income Focus fixed index annuity with the Lifetime Income Benefit Rider (LIBR) can possibly help increase that confidence.

A WINning Combination of Features

Industry leading, daily crediting of simple interest roll-up2 rates of 14% for 5 years or 12% for 10 years while your clients Wait to take Income is just the beginning. An enhanced income benefit and spousal income options can help your clients Navigate life’s uncertainties as they age.

Wait

Discover the advantages of an industry-leading 14% roll-up for up to 5 years or 12% roll-up for up to 10 years.

See benefits while you wait

While your clients Wait for retirement, they will receive these valuable benefits under their Lifetime Income Benefit Rider (LIBR) with their contract.

Option 1

14%

Simple Roll-up for 5 Years
Option 2

12%

Simple Roll-up for 10 Years
Daily Crediting of the Simple Interest Roll-Up
Payout percentage increases at every age from ages 50-79

Available issue ages 50-85

1.0% annual rider cost

The choice is yours
Assuming no withdrawals, the Income Account Value (IAV) of Option 1 is greater than Option 2 until 5 years and 10 months, after that Option 2's IAV is greater.
Surrender charges

Wait

Discover the advantages of an industry-leading 14% roll-up for up to 5 years or 12% roll-up for up to 10 years.

See benefits while you wait

While your clients Wait for retirement, they will receive these valuable benefits under their Lifetime Income Benefit Rider (LIBR) with their contract.

Option 1

14%

Simple Roll-up for 5 Years
Option 2

12%

Simple Roll-up for 10 Years
Daily Crediting of the Simple Interest Roll-Up
Payout percentage increases at every age from ages 50-79

Available issue ages 50-85

1.0% annual rider cost

The choice is yours
Assuming no withdrawals, the Income Account Value (IAV) of Option 1 is greater than Option 2 until five years and 10 months, after that Option 2's IAV is greater.
Surrender charges

Income

Benefit from the flexibility of a simple interest rollup that credits daily and payout percentages that increase at every age from 50-79.

See benefits when you're ready to take Income

When your clients are ready to take income, they will receive these benefits:

  • Freedom to start lifetime income payments at any point after the first contract anniversary3
  • Flexibility to decide between single or joint income when they start payments
  • Guaranteed lifetime income even if their contract value goes to $0**
Age
Single
Joint
50
4.25%
3.75%
51
4.40%
3.90%
52
4.55%
4.05%
53
4.70%
4.20%
54
4.85%
4.35%
55
5.00%
4.50%
56
5.15%
4.65%
57
5.30%
4.80%
58
5.45%
4.95%
59
5.65%

5.15%

60
5.80%

5.30%

61
6.00%

5.50%

62
6.20%

5.70%

63
6.30%

5.80%

64
6.40%

5.90%

65

6.50%
6.00%
66
6.60%
6.10%

67

6.70%
6.20%
68
6.80%
6.30%
69
6.90%
6.20%
70
7.00%
6.50%
71
7.10%
6.60%
72
7.15%
6.65%
73
7.25%
6.75%
74
7.35%

6.85%

75
7.40%

6.90%

76
7.45%

6.95%

77
7.50%

7.00%

78
7.55%

7.05%

78+
7.60%

7.10%

Age
Single
Joint
50
4.25%
3.75%
51
4.40%
3.90%
52
4.55%
4.05%
53
4.70%
4.20%
54
4.85%
4.35%
55
5.00%
4.50%
56
5.15%
4.65%
57
5.30%
4.80%
58
5.45%
4.95%
59
5.65%

5.15%

60
5.80%

5.30%

61
6.00%

5.50%

62
6.20%

5.70%

63
6.30%

5.80%

64
6.40%

5.90%

Age
Single
Joint

65

6.50%
6.00%
66
6.60%
6.10%

67

6.70%
6.20%
68
6.80%
6.30%
69
6.90%
6.20%
70
7.00%
6.50%
71
7.10%
6.60%
72
7.15%
6.65%
73
7.25%
6.75%
74
7.35%

6.85%

75
7.40%

6.90%

76
7.45%

6.95%

77
7.50%

7.00%

78
7.55%

7.05%

79+
7.60%

7.10%

Joint income based on age of younger spouse.

** Assuming an excess withdrawal does not reduce the contract value to $0.

Income

Benefit from the flexibility of a simple interest rollup that credits daily and payout percentages that increase at every age from 50-79.

See benefits when you're ready to take Income

When your clients are ready to take income, they will receive these benefits:

  • Freedom to start lifetime income payments at any point after the first contract anniversary1
  • Flexibility to decide between single or joint income when they start payments
  • Guaranteed lifetime income even if their contract value goes to $0*
Age
Single
Joint
50
4.25%
3.75%
51
4.40%
3.90%
52
4.55%
4.05%
53
4.70%
4.20%
54
4.85%
4.35%
55
5.00%
4.50%
56
5.15%
4.65%
57
5.30%
4.80%
58
5.45%
4.95%
59
5.65%

5.15%

60
5.80%

5.30%

61
6.00%

5.50%

62
6.20%

5.70%

63
6.30%

5.80%

64
6.40%

5.90%

65

6.50%
6.00%
66
6.60%
6.10%

67

6.70%
6.20%
68
6.80%
6.30%
69
6.90%
6.20%
70
7.00%
6.50%
71
7.10%
6.60%
72
7.15%
6.65%
73
7.25%
6.75%
74
7.35%

6.85%

75
7.40%

6.90%

76
7.45%

6.95%

77
7.50%

7.00%

78
7.55%

7.05%

79+
7.60%

7.10%

Joint income based on age of younger spouse.

Navigate

Navigate life's changes with our Wellbeing Benefit that can double single life income payments and increase joint life payments up to 50% for up to 5 years without requiring confinement or underwriting, after which guaranteed lifetime payments continue.

See how your clients can navigate life changes

When unexpected life events occur, Eagle Select Income Focus has unique benefits to help your clients Navigate life's twists and turns. 

Wellbeing Benefit with no confinement required***
This benefit is included at with the LIBR, and can be activated if your clients are unable to perform two activites of daily living (ADLs), giving you:
Up to 5 years
enhanced income
Double
your income for single payout
50% increase
for joint payout
Spousal continuation options - support through three scenarios
You can take comfort knowing their spouse will have options to continue guaranteed income payments should they pass away first.

If you pass away prior to income starting

We create flexibility by letting the surviving spouse decide when to start lifetime income. The payout percentage is based on their age when income starts.
If your client started single life income
Upon death, the income payment is adjusted based on the remaining IAV and the surviving spouse's age, up to contract maximum. Income will continue until the IAV is reduced to $0.

If your client chose joint life income

The surviving spouse will continue receiving the already established income payment for as long as they live.

If you pass away prior to income starting

We create flexibility by letting your spouse decide when to start lifetime income. The Payout percentage is vased on their age when income starts.
If you started single life income
Upon death, he income payment is adjusted based on the remaining IAV and the surviving spouse's age, up to the contract maximum. Income will continue until the IAV is reduced to $0.

If you chose joint life income

Your spouse will continue receiving the already established income payment for as long as they live.

If you pass away prior to income starting

We create flexibility by letting your spouse decide when to start lifetime income. The Payout percentage is vased on their age when income starts.
If you started single life income
Upon death, he income payment is adjusted based on the remaining IAV and the surviving spouse's age, up to the contract maximum. Income will continue until the IAV is reduced to $0.

If you chose joint life income

Your spouse will continue receiving the already established income payment for as long as they live.
*** Two-year waiting period and a qualified physician statement needed

Navigate

Navigate life's changes with our Wellbeing Benefit that can double single life income payments and increase joint life payments up to 50% for up to five years without requiring confinement or underwriting, after which guaranteed lifetime payments continue.

See how your clients can navigate life changes

When unexpected life events occur, Eagle Select Income Focus has unique benefits to help your clients Navigate life's twists and turns. 

Wellbeing Benefit with no confinement required***
This benefit is included at with the LIBR, and can be activated if your clients are unable to perform two activities of daily living (ADLs), giving them:
Up to 5 years
enhanced income
Double
your income for single payout
50% increase
for joint payout
Spousal continuation options
You can take comfort knowing their spouse will have options to continue guaranteed income payments should they pass away first.
Support through three common scenarios

If you pass away prior to income starting

We create flexibility by letting the surviving spouse decide when to start lifetime income. The payout percentage is based on their age when income starts.
If your client started single life income
Upon death, he income payment is adjusted based on the remaining IAV and the surviving spouse's age, up to the contract maximum. Income will continue until the IAV is reduced to $0.

If your client chose joint life income

The surviving spouse will continue receiving the already established income payment for as long as they live.

If you pass away prior to income starting

We create flexibility by letting your spouse decide when to start lifetime income. The Payout percentage is vased on their age when income starts.
If you started single life income
Upon death, he income payment is adjusted based on the remaining IAV and the surviving spouse's age, up to the contract maximum. Income will continue until the IAV is reduced to $0.

If you chose joint life income

Your spouse will continue receiving the already established income payment for as long as they live.

If you pass away prior to income starting

We create flexibility by letting your spouse decide when to start lifetime income. The Payout percentage is vased on their age when income starts.
If you started single life income
Upon death, he income payment is adjusted based on the remaining IAV and the surviving spouse's age, up to the contract maximum. Income will continue until the IAV is reduced to $0.

If you chose joint life income

Your spouse will continue receiving the already established income payment for as long as they live.
We'll be at LPL Focus Conference

Check out our breakout session

Catch PREPARING FOR CHANGE: The coming transformation in tax policy and opportunities it will create, Aug. 11-14, in San Diego, Calif. This presentation will show how:

  • Rising public debt, interest and entitlement cost are unsustainable without spending cuts or tax increases
  • The expiation of the Tax Cuts and Jobs Act of 2017 at the end of 2025 will cause automatic tax increases
  • Strategies like qualified net unrealized appreciation (NUA) and Roth conversions can offer potential tax savings
Key Insights

Retirement Portfolio Performance Required to Safely Equal Annuity Income

As a financial professional, you often face the decision to retain risk with diversified retirement portfolio options such as utilizing safe withdrawal rate or transferring the risk to an annuity product that has the ability to provide guaranteed lifetime income.


When making this decision, it is important to understand the math of how the retirement portfolio will need to perform to equal the outcome of the income benefit.

Contact Your Eagle Life Wholesaler

Contact Your Eagle Life Wholesaler

Contact Your Eagle Life Wholesaler

Contact Your Eagle Life Wholesaler

Contact Your Eagle Life Wholesaler

World-class investment franchise

The merger between American Equity Investment Life Holding Company (AEL), the parent company of Eagle Life, and Brookfield Reinsurance enhances our financial stability and provides us with access to their world-class investment franchise. This strategic partnership also resulted in a ratings upgrade from Standard & Poor’s Global Ratings, while enabling us to explore new opportunities to drive continued growth.

 

Rated A (Strong) by S&P4, this rating is a testament to the strength and stability our new partnership brings to Eagle Life. The stable outlook from S&P reflects their confidence in our ability to maintain a strong competitive position in our core markets and our excellent financial risk profile under the new ownership structure. 

 

With our enhanced financial strength and new structure, Eagle Life Insurance Company® enthusiastically seeks partnerships with financial professionals like you and firms like LPL Financial.

1 Life in Retirement: Pre-Retiree Expectations and Retiree Realities, Transamerica Center for Retirement Studies®; September 2023;

2“High Rates Make Annuities Hot Investments. The 100 Best.” By Karen Hube; updated July 26, 2023;https://www.barrons.com/articles/high-rates-make-annuities-hot-investments-the-100-best-76db8c08. If you cannot access this article online, please contact us at 866-526-0995 to request a copy.

3 Provisions of the Lifetime Income Benefit Rider (LIBR), such as Income Account Value (IAV) Accumulation Rates, may change prior to issue. IAV is only used to calculate lifetime income. It is not part of the underlying contract value or available in a lump sum. Assumes no withdrawals are taken from the contract prior to income payments beginning. Excess withdrawals taken in addition to lifetime income payments will reduce future income payment amounts. 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.

4 Standard and Poor’s rating service has recognized American Equity Investment 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.

 


Annuity contract issued under form series ICC23 E-BASE-IDX, ICC23 E-IDX-C-7, 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.

 

*** The wellbeing benefit can only be activated one time after a two year waiting period.  Contract owner must be unable to perform two of six ADLs and requires annual certification by a qualified physician.  See disclosure and sales brochure for additional details.


Prior to income payments beginning, if the contract value is greater than the IAV, the IAV will increase to equal the contract value. After payments begin, if the contract value on any anniversary date exceeds the IAV, the IAV will increase to equal the contract value and use the payout percentage that was used to determine the initial LIB payment amount.


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.


Dividends paid on the stocks that comprise the index are not credited directly to contract values.


Possible interest credits for money allocated to an index-linked crediting strategy are based upon performance of the specific index; however, FIAs are not an investment, but an insurance product, and do not directly invest in the stock market or the index itself.


This material is for informational purposes only, and is not a recommendation to buy, sell, hold or rollover any asset. It does not consider the specific financial circumstances, investment objectives, risk tolerance or need of any specific person. In providing this information, Eagle Life Insurance Company® 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.


This is not a comprehensive overview of all the relevant features, benefits, limitations and costs of the Eagle Select® Income Focus fixed index annuity (FIA). This advertisement presents specific examples of how the lifetime income benefit rider works. Please read the sales brochure and disclosure for complete details and limitations.


**Guarantees are based on the financial strength and claims-paying ability of the issuing company. Eagle Life is a wholly owned subsidiary of American Equity Investment Life Insurance Company®.

For Representative Information Only. Not for use in solicitation or advertising to the public.
©2025 Eagle Life Insurance Company®

Eagle Life Insurance Company®
6000 Westown Parkway, West Des Moines, IA 50266
(866) 526-0995 • info@american-equity.com