| 
  Legal Notice 
    | 
         
          | ;) |   
          | American Equity Investiment Life Insurance Company offers this valuable member 
            of the new Integrity Series! |   
          | ;) |   
          | ;) | 
               
                |  | S&P 500 Annual Monthly Average |   
                |  | S&P 500 Annual Point-to-Point |   
                |  | Bond Strategy linked to Lehman 
                  Brothers U.S. Treasury Index Annual Point-to-Point |   
                |  | Traditional Fixed Interest |   
                | Other Great Features: |   
                |  | 6% Premium Bonus - Vested immediately 
                  on initial premium only |   
                |  | Currently 70% Participation Rate |   
                |  | 8.5% First-Year Commission* |   
                |  | Guaranteed Minimum Contract Value(3% on 100% of Premium compounded annually,
 assuming no withdrawals)
 |   
                |  | Surrender Charges: 17.5% - 
                  0% at end of 16th Contract Year** |   
                |  | Cap Rate on Point-to-Point Strategy 
                  Guaranteed for Life of Contract |  |   
          | ;) |   
          | 
               
                | ;) | ;)  
                     
                      | Maui, Hawaii |  | ©Disney Cruise |   
                      | any combination of | 
                          See Official Guidelines 
                            | Qualification Period: January 1, 2002 to December 31, 2002.
 |  | any combination of |   
                      | $60,000 | $30,000 |   
                      | 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: |  |   
                        | E-mail: |  |   
                        | Phone: |  |   
                        | City: |  | State: |  |   
                        |  |  |  |  |  |  |   
          | *Commissions may vary by age. **May vary by state. Not available in 
            all states. Deferred Fixed Annuity Contract Form: (INDEX-18) issued by American 
            Equity Investment Life Insurance Company, Des Moines, Iowa.
 The S&P 500 does not include dividends.
 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. The 
            Premier Plus Annuity is not sponsored, endorsed, sold or promoted 
            by Standard & Poors, and Standard & Poors makes 
            no representation regarding the advisability of purchasing the Premier 
            Plus Annuity.
 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.
 02-FB-2
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