Income Edge Calculator

Guaranteed minimum lifetime annual income accounts assume 100% of your premium is allocated to indexed strategies, no prior withdrawals have been taken, and you have elected the maximum Income Edge benefit. If any of your premium is allocated to the fixed strategy, if any prior withdrawals are taken, or if you have not elected the maximum Income Edge benefit, your guaranteed income amounts will be lower. Once you start an Income Edge Lifetime Income Withdrawal, your withdrawal percentage is locked in for your life, and your income amount is guaranteed not to decrease as long as you do not elect excess withdrawals. Your income amount may increase. When calculating guaranteed minimum lifetime annual income, the value is rounded down. Income Edge Lifetime Income reduce the accumulated value of your base contract and the Income Account Value established by the Income Edge Rider Benefits demonstrated after waiting 11-15 years assume a reset has been elected between years 6-10, which may result in a higher charge than at issue. Benefits for joint annuitants are based on the younger annuitant's age and are lower than the values for a single annuitant. Income Withdrawals may be taken on a monthly, quarterly, semi-annual, or annual basis. Income Withdrawals may be subject to taxation as ordinary income and if taken prior to age 59 ½ may be subject to a 10% IRS penalty tax. Income Withdrawals do not qualify for the exclusion ratio.

The Income Edge Rider [forms AIR (Rev. 09/07) or state variation] is issued by American Investors Life Insurance Company, Inc., Topeka, KS 66603. Availability may vary by state. You should refer to your annuity contract and rider for a full explanation of your annuity, this rider and any charges or limitations. Please consult an appointed representative for additional information.

Home Office Approval required for cases which will exceed $1 million in force on any one annuitant.