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          | 
               
                | ;) |   
                | 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 | 
                          See Official Guidelines 
                            | Qualification Period: January 1, 2002 to December 31, 2002.
 |  | 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 |   
                        | Name: |  |   
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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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