|  
            
           | 
         
         
           
            
               
                ;)  | 
               
               
                 
                   
                  
                    FOUR 
                    INTEREST RATE 
                    STRATEGIES 
                  
                   
                   S&P 500 Monthly Average 
                     Annual Reset 
                   S&P 500 Point-to-Point  
                     Annual Reset 
                   Bond Strategy Linked to 
                    Lehman Brothers U.S. 
                    Treasury Index 
                   Fixed Rate Strategy
                 | 
                  | 
                 
                   
                  
                    PLUS... 
                  
                    
                   Full Contract Value at First 
                    to die Owner Annuitant 
                   Nursing Care Rider (NCR-2) 
                   Terminal Illness Rider (TIR-1) 
                   10% Penalty Free Withdrawal 
                     of Contract Value, Starting 
                     Year 2 
                   LERO Option** 
                   Monthly Interest Withdrawals**
                 | 
               
             
           | 
         
         
           
            
               
                ;)  | 
                  
                  
                     
                      | Maui, Hawaii | 
                       | 
                      ©Disney Cruise | 
                     
                     
                      | any combination of | 
                       
                        
                           
                            
                               
                              Qualification Period: 
                              January 1, 2002 to December 31, 2002. 
                             | 
                           
                         
                        See Official Guidelines
                       | 
                      any combination of | 
                     
                     
                      | $60,000 Premium | 
                      $30,000 Premium | 
                     
                     
                      
                        Annualized Life Premium 
                        or $1,200,000 of Annuity Premium 
                        qualifies you and a guest in June 2003
                       | 
                      
                        Annualized Life Premium 
                        or $600,000 of Annuity Premium 
                        qualifies you and a guest in May 2003
                       | 
                     
                   
                 | 
                ;)  | 
               
               
                ;)  | 
               
             
           | 
         
         
            
             
            
               
                
                   
                    
                       
                        | Please fill out the form below for more information | 
                       
                       
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            *May vary by age and state. 
            **Benefit not guaranteed and subject to change. 
            Contract Form INDEX-17. Surrender charges, asset fee and cap rates apply. 
            Standard & Poors®, S&P®, S&P 
            500®, Standard & Poors 500 and 500 
            are trademarks of the McGraw-Hill Companies, Inc. and have been licensed 
            for use by American Equity Investment Life Insurance Company. This 
            product is not sponsored, endorsed, sold or promoted by Standard & 
            Poors, and Standard & Poors makes no representation 
            regarding the advisability of purchasing the product. 
            S&P 500 does not contain dividends. 
            This product is not sponsored, endorsed, sold or promoted by Lehman 
            Brothers and Lehman Brothers makes no representation regarding the 
            advisability of purchasing this product. 
            For Agent use only. Not for use for solicitation or advertising to 
            the public. Not available in all states. 
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