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American National Palladium 3, 5 MYGA

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The Eagle Guarantee Focus® Series applies a surrender charge if the contract is surrendered or if a withdrawal exceeding the free withdrawal amount (typically 10% annually after the first contract year) is taken during the guarantee period. The surrender charge is a declining percentage over the term of the annuity, starting as high as 8% and decreasing annually depending on the selected guarantee period (3, 5, or 7 years). These charges are intended to discourage early withdrawals and help the insurer manage its guaranteed interest obligations. However, exceptions to the surrender charge may apply in cases such as death, qualifying nursing home confinement, or terminal illness, subject to specific contract conditions.

Enhanced Benefit Rider (no-fee, added automatically).

The death benefit is the greater of the Contract Value or the Minimum Guaranteed Surrender Value. Paid to the surviving joint owner or named beneficiary(ies), generally in a lump sum. No surrender charges apply.

Qualifying Nursing Care Benefit: One-time withdrawal up to 100% if confined for 90+ days (after year one).

Terminal Illness Benefit: One-time withdrawal up to 100% upon diagnosis.

Enhanced Benefit Rider: No-fee rider providing additional withdrawal/surrender options (not available in CA).

After the first contract year, yearly Free Withdrawals — up to 10% of the contract value — can be taken.

Fixed Annuity with 3-, 5-, and 7-year guarantee period options.

This annuity functions as a long-term contract backed by the financial strength of Eagle Life Insurance Company®. It guarantees growth through fixed interest and protects the original investment from market losses. Clients can access their funds through features like Free Withdrawals, and the product includes benefits for legacy planning, nursing care, and terminal illness. Policyholders have flexible renewal options at the end of the guarantee period and can surrender the contract without penalties if conditions are met.

Within 30 calendar days after the end of the guarantee period, the contract owner can renew for the same duration, annuitize, make a free withdrawal, or surrender the contract without penalty. If no action is taken, the contract continues without surrender charges.

Will never be less than 90% (91% in CA) of the premium received, less any withdrawals, accumulated at the Minimum Guaranteed Interest Rate.

® Series is a fixed annuity product designed for retirement savings. It offers a stable-money solution that ensures principal protection, tax-deferred growth, and guaranteed interest over set periods (3, 5, or 7 years). The annuity is issued by Eagle Life Insurance Company®, a subsidiary of American Equity Investment Life Insurance Company®, and provides financial tools to help individuals preserve and grow their retirement assets with options for guaranteed lifetime income.