0001039828-19-000062.txt : 20191106 0001039828-19-000062.hdr.sgml : 20191106 20191106163433 ACCESSION NUMBER: 0001039828-19-000062 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 17 CONFORMED PERIOD OF REPORT: 20191106 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20191106 DATE AS OF CHANGE: 20191106 FILER: COMPANY DATA: COMPANY CONFORMED NAME: AMERICAN EQUITY INVESTMENT LIFE HOLDING CO CENTRAL INDEX KEY: 0001039828 STANDARD INDUSTRIAL CLASSIFICATION: LIFE INSURANCE [6311] IRS NUMBER: 421447959 STATE OF INCORPORATION: IA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-31911 FILM NUMBER: 191196829 BUSINESS ADDRESS: STREET 1: 6000 WESTOWN PARKWAY CITY: WEST DEMOINES STATE: IA ZIP: 50266 BUSINESS PHONE: 5152210002 MAIL ADDRESS: STREET 1: 6000 WESTOWN PARKWAY CITY: WEST DES MOINES STATE: IA ZIP: 50266 8-K 1 a2019-09x30ael8k.htm 8-K Document
false0001039828 0001039828 2019-11-06 2019-11-06



UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): November 6, 2019
AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY
(Exact name of registrant as specified in its charter)

Iowa
001-31911
42-1447959
(State or other jurisdiction
of incorporation)
(Commission File Number)
(IRS Employer
Identification No.)
6000 Westown Parkway
West Des Moines, IA 50266
(Address of principal executive offices and zip code)
(515) 221-0002
(Registrant's telephone number, including area code)
Not Applicable
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common stock, par value $1
AEL
New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933
(§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.









Item 2.02  Results of Operations and Financial Condition
On November 6, 2019, the registrant issued a press release announcing its financial results for the quarter ended September 30, 2019, a copy of which is attached as Exhibit 99.1 and is incorporated herein by reference. The registrant's financial supplement for the quarter ended September 30, 2019, is attached as Exhibit 99.2 and is incorporated herein by reference.
The information, including exhibits attached hereto, furnished under this Item 2.02 shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section. The information in this Current Report shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended, except as otherwise expressly stated in such filing.
Item 9.01.  Financial Statements and Exhibits
(d)    Exhibits
The following exhibits are being furnished with this Form 8-K.





SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Date: November 6, 2019
 
AMERICAN EQUITY
 
 
INVESTMENT LIFE HOLDING COMPANY
 
 
 
 
 
 
 
 
 
 
By:
/s/ John M. Matovina
 
 
 
John M. Matovina
 
 
 
Chief Executive Officer and President
 
 
 
 
 



EX-99.1 2 a2019-09x30_ael8kexhibit991.htm PRESS RELEASE Exhibit
Exhibit 99.1
aeholdinglogo2019.jpg
For more information, contact:
 
Steven D. Schwartz, Vice President-Investor Relations
(515) 273-3763, sschwartz@american-equity.com
 
 
 
 
FOR IMMEDIATE RELEASE
 
 
November 6, 2019
 
 
American Equity Reports Third Quarter 2019 Results
Company Highlights
Third quarter 2019 net income of $37.4 million or $0.41 per diluted common share
Third quarter 2019 non-GAAP operating income1 of $233.4 million or $2.54 per diluted common share
Third quarter 2019 annuity sales of $1.3 billion
Policyholder funds under management of $53.0 billion
Third quarter 2019 investment spread of 2.75%
Estimated risk-based capital ratio of 366% compared to 360% at December 31, 2018
WEST DES MOINES, Iowa (November 6, 2019) - American Equity Investment Life Holding Company (NYSE: AEL), a leading issuer of fixed index annuities (FIAs), today reported third quarter 2019 net income of $37.4 million, or $0.41 per diluted common share, compared to net income of $169.3 million, or $1.85 per diluted common share, for third quarter 2018.
Non-GAAP operating income1 for third quarter 2019 was $233.4 million, or $2.54 per diluted common share, compared to non-GAAP operating income1 of $171.1 million, or $1.87 per diluted common share, for third quarter 2018. On a trailing twelve-month basis, non-GAAP operating return1 on average equity excluding average AOCI1 was 20.9% and 16.3% excluding the impact of assumption revisions.
Third quarter 2019 net income was negatively affected by $36 million ($0.40 per diluted common share) for revisions to assumptions utilized in the determination of deferred policy acquisition costs, deferred sales inducements, the liability for future benefits to be paid for lifetime income benefit riders and the valuation of embedded derivatives while non-GAAP operating income1 benefited by $124 million ($1.35 per diluted common share) from assumption revisions. Net income and non-GAAP operating income1 for the third quarter of 2018 were positively affected by $76 million ($0.84 per diluted common share) and $81 million ($0.88 per diluted common share), respectively, for assumption revisions.
POLICYHOLDER FUNDS UNDER MANAGEMENT UP 1.0% ON $1.3 BILLION OF SALES
Policyholder funds under management at September 30, 2019 were $53.0 billion, a $536 million, or 1.0% increase from June 30, 2019. Third quarter gross and net sales were $1.3 billion and $1.2 billion, respectively,



representing increases of 25% and 31% from third quarter 2018 sales. On a sequential basis, gross and net sales decreased 13% and 15%, respectively.
Total sales by independent agents for American Equity Investment Life Insurance Company (American Equity Life) and total sales by broker-dealers and banks for Eagle Life Insurance Company (Eagle Life) each decreased 13% sequentially. Sales of FIAs were down 16% sequentially to $1.2 billion driven by a 13% decrease in sales for American Equity Life and a 29% decrease for Eagle Life.
Commenting on sales, John Matovina, Chairman and Chief Executive Officer, said: "While FIA sales in American Equity Life's independent agent channel remained well above year ago levels, the sequential decrease in sales in this channel was particularly concentrated in our accumulation products. In the third quarter, accumulation products accounted for 39% of sales compared to 46% of sales in the second quarter. We fared better in the guaranteed lifetime income space. Sales of the IncomeShield series, which was the best-selling guaranteed lifetime income product in the independent agent channel in the first half of 2019, increased 6% sequentially and accounted for 48% of our FIA sales in the third quarter."
Commenting on the market environment and the outlook for FIA sales, Matovina added: "The market in each of our distribution channels continues to be competitive. Reflecting the decline in interest rates since year-end, we continue to take actions to lower caps, participation rates, and declared rates for both American Equity Life and Eagle Life. Following reductions in participation rates and caps in April and June, we made further reductions in August and October. While competitors reduced caps and participation rates as well during the quarter, we have recently begun to see competitors raise participation rates, possibly betting on a continuation of the recent increase in interest rates. Although we have lowered participation rates on our S&P 500 Dividend Aristocrats volatility-controlled excess return strategies, these strategies remain competitive and we will put increasing focus on their marketing. We also reduced income levels on our guaranteed lifetime income product lines in August and October. While our current income levels are more conservative when compared to the highest levels of income available in the marketplace, we are still higher than several key competitors."
Matovina continued: "In the bank and broker-dealer channels, Eagle Life had distinguished itself with its emphasis on offering attractive participation rates on S&P 500 annual point-to-point strategies. Given the decline in interest rates, we made reductions to participation rates during August and October similar to those made on accumulation products at American Equity Life. While our S&P 500 participation rates are not attractive to distribution at this time, we are placing increasing emphasis on the S&P 500 Dividend Aristocrats strategies at Eagle Life too. Eagle Life will also be rolling out a new guaranteed lifetime income product, the Eagle Select Income Focus, to banks and broker-dealers later this month. This is a significant initiative for Eagle Life to capture some guaranteed income market share in these channels. While guaranteed lifetime income has been a focus at American Equity Life, this has not been true at Eagle Life. The standard no-fee guaranteed lifetime income rider, pioneered by American Equity Life in the independent agent channel, will be unique in the bank and broker-dealer channels. To maximize guaranteed lifetime income, policyholders may instead choose a fee-based rider which will be very competitive with those offered by the leader in these channels."
INVESTMENT SPREAD INCREASES ON LOWER COST OF MONEY AND NON-TRENDABLE ITEMS
American Equity’s investment spread was 2.75% for the third quarter of 2019 compared to 2.63% for the second quarter of 2019 and 2.67% for the third quarter of 2018. On a sequential basis, the average yield on invested assets increased by 8 basis points while the cost of money fell 4 basis points.



Average yield on invested assets was 4.59% in the third quarter of 2019 compared to 4.51% in the second quarter of 2019. This increase was attributable to an increase in the benefit from non-trendable investment income items from 5 basis points in the second quarter to 13 basis points in the third quarter of this year. The impact from the decline in short term yields on the $4.8 billion of floating rate instruments in the investment portfolio negatively affected average yield by 2 basis points.
The aggregate cost of money for annuity liabilities of 1.84% in the third quarter of 2019 was down 4 basis points from 1.88% in the second quarter of 2019. The cost of money benefited by 2 basis points from over hedging index-linked interest obligations, compared to 4 basis points in the second quarter of 2019.
Commenting on investment spread, Matovina said: “Excluding non-trendable investment spread items, investment spread increased 6 basis points sequentially driven by lower cost of money. Option costs decreased in the third quarter reflecting reductions in caps and participation rates on new business from the June and August new money rate changes, renewal rate changes initiated in both October of last year and August of this year, and higher volatility."
Matovina went on to say: "The trend of declining option costs, which began in December 2018, could extend further as we reduced new money rates last month and will begin reducing renewal rates on $29.7 billion of policyholder funds under management in January 2020. Should yields available to us remain at current levels or the cost of money rise, we have flexibility to reduce our crediting rates and could decrease our cost of money by approximately 0.59% through further reductions in renewal rates to guaranteed minimums."
CAUTION REGARDING FORWARD-LOOKING STATEMENTS
This press release contains forward-looking statements within the meaning of The Private Securities Litigation Reform Act of 1995. Forward-looking statements relate to future operations, strategies, financial results or other developments, and are subject to assumptions, risks and uncertainties. Statements such as “guidance”, “expect”, “anticipate”, “believe”, “goal”, “objective”, “target”, “may”, “should”, “estimate”, “projects” or similar words as well as specific projections of future results qualify as forward-looking statements. Factors that may cause our actual results to differ materially from those contemplated by these forward looking statements can be found in the company’s Form 10-K filed with the Securities and Exchange Commission. Forward-looking statements speak only as of the date the statement was made and the company undertakes no obligation to update such forward-looking statements. There can be no assurance that other factors not currently anticipated by the company will not materially and adversely affect our results of operations. Investors are cautioned not to place undue reliance on any forward-looking statements made by us or on our behalf.
CONFERENCE CALL
American Equity will hold a conference call to discuss third quarter 2019 earnings on Thursday, November 7, 2019 at 9:00 a.m. CT. The conference call will be webcast live on the Internet. Investors and interested parties who wish to listen to the call on the internet may do so at www.american-equity.com.
The call may also be accessed by telephone at 855-865-0606, passcode 4871448 (international callers, please dial 704-859-4382). An audio replay will be available shortly after the call on American Equity's website. An audio replay will also be available via telephone through November 14, 2019 at 855-859-2056, passcode 4871448 (international callers will need to dial 404-537-3406).



ABOUT AMERICAN EQUITY
American Equity Investment Life Holding Company, through its wholly-owned operating subsidiaries, issues fixed annuity and life insurance products, with a primary emphasis on the sale of fixed index and fixed rate annuities. American Equity Investment Life Holding Company, a New York Stock Exchange listed company (NYSE: AEL), is headquartered in West Des Moines, Iowa. For more information, please visit www.american-equity.com.
1    Use of non-GAAP financial measures is discussed in this release in the tables that follow the text of the release.
###



American Equity Investment Life Holding Company
Unaudited (Dollars in thousands, except per share data)



Consolidated Statements of Operations
 
Three Months Ended 
 September 30,
 
Nine Months Ended 
 September 30,
 
2019
 
2018
 
2019
 
2018
Revenues:
 
 
 
 
 
 
 
Premiums and other considerations
$
5,152

 
$
7,240

 
$
14,688

 
$
22,050

Annuity product charges
63,647

 
58,365

 
177,313

 
164,094

Net investment income
590,412

 
549,391

 
1,719,418

 
1,593,457

Change in fair value of derivatives
(20,042
)
 
595,311

 
440,472

 
276,433

Net realized gains (losses) on investments, excluding other than temporary impairment ("OTTI") losses
4,328

 
(2,196
)
 
(67
)
 
(40,275
)
OTTI losses on investments:
 
 
 
 
 
 
 
Total OTTI losses
(101
)
 
(14,373
)
 
(1,099
)
 
(16,025
)
Portion of OTTI losses recognized from other comprehensive income

 

 
(215
)
 
(1,651
)
Net OTTI losses recognized in operations
(101
)
 
(14,373
)
 
(1,314
)
 
(17,676
)
Total revenues
643,396

 
1,193,738

 
2,350,510

 
1,998,083

 
 
 
 
 
 
 
 
Benefits and expenses:
 
 
 
 
 
 
 
Insurance policy benefits and change in future policy benefits
7,627

 
10,721

 
23,865

 
32,091

Interest sensitive and index product benefits
500,285

 
413,089

 
888,062

 
1,355,135

Amortization of deferred sales inducements
(55,769
)
 
55,244

 
(2,675
)
 
233,779

Change in fair value of embedded derivatives
212,278

 
383,716

 
1,306,163

 
(585,465
)
Interest expense on notes payable
6,382

 
6,376

 
19,141

 
19,122

Interest expense on subordinated debentures
3,968

 
3,942

 
12,113

 
11,450

Amortization of deferred policy acquisition costs
(120,934
)
 
81,053

 
(45,856
)
 
336,741

Other operating costs and expenses
38,554

 
31,924

 
114,959

 
95,704

Total benefits and expenses
592,391

 
986,065

 
2,315,772

 
1,498,557

Income before income taxes
51,005

 
207,673

 
34,738

 
499,526

Income tax expense
13,645

 
38,345

 
8,798

 
95,333

Net income
$
37,360

 
$
169,328

 
$
25,940

 
$
404,193

 
 
 
 
 
 
 
 
Earnings per common share
$
0.41

 
$
1.87

 
$
0.28

 
$
4.48

Earnings per common share - assuming dilution
$
0.41

 
$
1.85

 
$
0.28

 
$
4.42

 
 
 
 
 
 
 
 
Weighted average common shares outstanding (in thousands):
 
 
 
 
 
 
 
Earnings per common share
91,252

 
90,486

 
91,081

 
90,278

Earnings per common share - assuming dilution
91,711

 
91,651

 
91,748

 
91,355







Page 1


American Equity Investment Life Holding Company
Unaudited (Dollars in thousands, except per share data)



NON-GAAP FINANCIAL MEASURES
In addition to net income, we have consistently utilized non-GAAP operating income and non-GAAP operating income per common share - assuming dilution, non-GAAP financial measures commonly used in the life insurance industry, as economic measures to evaluate our financial performance. Non-GAAP operating income equals net income adjusted to eliminate the impact of items that fluctuate from quarter to quarter in a manner unrelated to core operations, and we believe measures excluding their impact are useful in analyzing operating trends. The most significant adjustments to arrive at non-GAAP operating income eliminate the impact of fair value accounting for our fixed index annuity business. These adjustments are not economic in nature but rather impact the timing of reported results. We believe the combined presentation and evaluation of non-GAAP operating income together with net income provides information that may enhance an investor’s understanding of our underlying results and profitability.
Reconciliation from Net Income to Non-GAAP Operating Income
 
Three Months Ended 
 September 30,
 
Nine Months Ended 
 September 30,
 
2019
 
2018
 
2019
 
2018
Net income
$
37,360

 
$
169,328

 
$
25,940

 
$
404,193

Adjustments to arrive at non-GAAP operating income: (a)
 
 
 
 
 
 
 
Net realized investment gains/losses, including OTTI
(3,175
)
 
10,278

 
(245
)
 
35,925

Change in fair value of derivatives and embedded derivatives - fixed index annuities
250,186

 
545

 
500,998

 
(108,367
)
Change in fair value of derivatives - debt
(76
)
 
(597
)
 
1,414

 
(3,168
)
Income taxes
(50,940
)
 
(8,491
)
 
(105,759
)
 
6,822

Non-GAAP operating income
$
233,355

 
$
171,063

 
$
422,348

 
$
335,405

 
 
 
 
 
 
 
 
Per common share - assuming dilution:
 
 
 
 
 
 
 
Net income
$
0.41

 
$
1.85

 
$
0.28

 
$
4.42

Adjustments to arrive at non-GAAP operating income:
 
 
 
 
 
 
 
Net realized investment gains/losses, including OTTI
(0.04
)
 
0.11

 

 
0.39

Change in fair value of derivatives and embedded derivatives - fixed index annuities
2.73

 
0.01

 
5.46

 
(1.19
)
Change in fair value of derivatives - debt

 
(0.01
)
 
0.01

 
(0.03
)
Income taxes
(0.56
)
 
(0.09
)
 
(1.15
)
 
0.08

Non-GAAP operating income
$
2.54

 
$
1.87

 
$
4.60

 
$
3.67

(a)
Adjustments to net income to arrive at non-GAAP operating income are presented net of related adjustments to amortization of deferred sales inducements (DSI) and deferred policy acquisition costs (DAC) where applicable.


Page 2


American Equity Investment Life Holding Company
Unaudited (Dollars in thousands)



NON-GAAP FINANCIAL MEASURES
Average Stockholders' Equity and Return on Average Equity
Return on average equity measures how efficiently we generate profits from the resources provided by our net assets.  Return on average equity and non-GAAP operating return on average equity are calculated by dividing net income and non-GAAP operating income, respectively, for the trailing twelve months by average equity excluding average accumulated other comprehensive income (AOCI).  We exclude AOCI because AOCI fluctuates from quarter to quarter due to unrealized changes in the fair value of available for sale investments.
 
Twelve Months Ended
 
September 30, 2019
Average Stockholders' Equity
 
Average equity including average AOCI
$
3,308,006

Average AOCI
(854,859
)
Average equity excluding average AOCI
$
2,453,147

 
 
Net income
$
79,763

Non-GAAP operating income
512,683

 
 
Return on Average Equity Excluding Average AOCI
 
Net income
3.25
%
Non-GAAP operating income
20.90
%



Page 3
EX-99.2 3 a2019-09x30_ael8kexhibit992.htm FINANCIAL SUPPLEMENT Exhibit

Exhibit 99.2



AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY
Financial Supplement

September 30, 2019


A.
Financial Highlights
 
 
 
 
 
Non-GAAP Financial Measures
 
 
 
 
 
 
 
 
 
 
B.
Product Summary
 
 
 
 
 
 
 
 
 
C.
Investment Summary
 
 
 
 
 
 
 
 
 
D.
 
 
 
E.






AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY
Financial Supplement - September 30, 2019
Unaudited (Dollars in thousands)


AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY
CONDENSED CONSOLIDATED BALANCE SHEETS
 
September 30, 2019
 
December 31, 2018
Assets
 
 
 
Investments:
 
 
 
Fixed maturity securities, available for sale, at fair value
$
51,854,384

 
$
45,923,727

Mortgage loans on real estate
3,212,075

 
2,943,091

Derivative instruments
963,081

 
205,149

Other investments
694,416

 
355,531

Total investments
56,723,956

 
49,427,498

 
 
 
 
Cash and cash equivalents
1,138,737

 
344,396

Coinsurance deposits
5,072,015

 
4,954,068

Accrued investment income
497,291

 
468,729

Deferred policy acquisition costs
2,883,599

 
3,535,838

Deferred sales inducements
1,952,353

 
2,516,721

Deferred income taxes

 
291,169

Income taxes recoverable
30,277

 
26,537

Other assets
31,765

 
60,608

Total assets
$
68,329,993

 
$
61,625,564

 
 
 
 
Liabilities and Stockholders' Equity
 
 
 
Liabilities:
 
 
 
Policy benefit reserves
$
61,348,138

 
$
57,606,009

Other policy funds and contract claims
259,939

 
270,858

Notes payable
494,982

 
494,591

Subordinated debentures
243,311

 
242,982

Amounts due under repurchase agreements
48,931

 
109,298

Deferred income taxes
143,195

 

Other liabilities
1,664,781

 
502,725

Total liabilities
64,203,277

 
59,226,463

 
 
 
 
Stockholders' equity:
 
 
 
Common stock
91,007

 
90,369

Additional paid-in capital
820,362

 
811,186

Accumulated other comprehensive income (loss)
1,639,429

 
(52,432
)
Retained earnings
1,575,918

 
1,549,978

Total stockholders' equity
4,126,716

 
2,399,101

Total liabilities and stockholders' equity
$
68,329,993

 
$
61,625,564




Page 1



AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY
Financial Supplement - September 30, 2019
Unaudited (Dollars in thousands, except per share data)


AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY
CONSOLIDATED STATEMENTS OF OPERATIONS
 
Three Months Ended 
 September 30,
 
Nine Months Ended 
 September 30,
 
2019
 
2018
 
2019
 
2018
Revenues:
 
 
 
 
 
 
 
Premiums and other considerations
$
5,152

 
$
7,240

 
$
14,688

 
$
22,050

Annuity product charges
63,647

 
58,365

 
177,313

 
164,094

Net investment income
590,412

 
549,391

 
1,719,418

 
1,593,457

Change in fair value of derivatives
(20,042
)
 
595,311

 
440,472

 
276,433

Net realized gains (losses) on investments, excluding other than temporary impairment ("OTTI") losses
4,328

 
(2,196
)
 
(67
)
 
(40,275
)
OTTI losses on investments:
 
 
 
 
 
 
 
Total OTTI losses
(101
)
 
(14,373
)
 
(1,099
)
 
(16,025
)
Portion of OTTI losses recognized from other comprehensive income

 

 
(215
)
 
(1,651
)
Net OTTI losses recognized in operations
(101
)
 
(14,373
)
 
(1,314
)
 
(17,676
)
Total revenues
643,396

 
1,193,738

 
2,350,510

 
1,998,083

 
 
 
 
 
 
 
 
Benefits and expenses:
 
 
 
 
 
 
 
Insurance policy benefits and change in future policy benefits
7,627

 
10,721

 
23,865

 
32,091

Interest sensitive and index product benefits
500,285

 
413,089

 
888,062

 
1,355,135

Amortization of deferred sales inducements
(55,769
)
 
55,244

 
(2,675
)
 
233,779

Change in fair value of embedded derivatives
212,278

 
383,716

 
1,306,163

 
(585,465
)
Interest expense on notes payable
6,382

 
6,376

 
19,141

 
19,122

Interest expense on subordinated debentures
3,968

 
3,942

 
12,113

 
11,450

Amortization of deferred policy acquisition costs
(120,934
)
 
81,053

 
(45,856
)
 
336,741

Other operating costs and expenses
38,554

 
31,924

 
114,959

 
95,704

Total benefits and expenses
592,391

 
986,065

 
2,315,772

 
1,498,557

Income before income taxes
51,005

 
207,673

 
34,738

 
499,526

Income tax expense
13,645

 
38,345

 
8,798

 
95,333

Net income
$
37,360

 
$
169,328

 
$
25,940

 
$
404,193

 
 
 
 
 
 
 
 
Earnings per common share
$
0.41

 
$
1.87

 
$
0.28

 
$
4.48

Earnings per common share - assuming dilution
$
0.41

 
$
1.85

 
$
0.28

 
$
4.42

 
 
 
 
 
 
 
 
Weighted average common shares outstanding (in thousands):
 
 
 
 
 
 
 
Earnings per common share
91,252

 
90,486

 
91,081

 
90,278

Earnings per common share - assuming dilution
91,711

 
91,651

 
91,748

 
91,355



Page 2



AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY
Financial Supplement - September 30, 2019
Unaudited (Dollars in thousands, except per share data)


Quarterly Summary - Most Recent 5 Quarters
 
Q3 2019
 
Q2 2019
 
Q1 2019
 
Q4 2018
 
Q3 2018
Revenues:
 
 
 
 
 
 
 
 
 
Traditional life insurance premiums
$
778

 
$
799

 
$
829

 
$
845

 
$
807

Life contingent immediate annuity considerations
4,374

 
3,327

 
4,581

 
3,585

 
6,433

Surrender charges
20,537

 
19,480

 
16,456

 
15,710

 
17,132

Lifetime income benefit rider fees
43,110

 
41,220

 
36,510

 
44,684

 
41,233

Net investment income
590,412

 
570,568

 
558,438

 
554,355

 
549,391

Change in fair value of derivatives
(20,042
)
 
76,045

 
384,469

 
(1,054,281
)
 
595,311

Net realized gains (losses) on investments, excluding OTTI
4,328

 
(3,832
)
 
(563
)
 
3,097

 
(2,196
)
Net OTTI losses recognized in operations
(101
)
 
(1,213
)
 

 
(18,980
)
 
(14,373
)
Total revenues
643,396

 
706,394

 
1,000,720

 
(450,985
)
 
1,193,738

 
 
 
 
 
 
 
 
 
 
Benefits and expenses:
 
 
 
 
 
 
 
 
 
Traditional life insurance policy benefits and change in future policy benefits
758

 
576

 
878

 
731

 
838

Life contingent immediate annuity benefits and change in future policy benefits
6,869

 
6,363

 
8,421

 
6,708

 
9,883

Interest sensitive and index product benefits (a)
500,285

 
251,103

 
136,674

 
255,700

 
413,089

Amortization of deferred sales inducements (b)
(55,769
)
 
19,785

 
33,309

 
(11,578
)
 
55,244

Change in fair value of embedded derivatives (c)
212,278

 
327,562

 
766,323

 
(804,026
)
 
383,716

Interest expense on notes payable
6,382

 
6,380

 
6,379

 
6,376

 
6,376

Interest expense on subordinated debentures
3,968

 
4,057

 
4,088

 
4,041

 
3,942

Amortization of deferred policy acquisition costs (b)
(120,934
)
 
29,946

 
45,132

 
(8,750
)
 
81,053

Other operating costs and expenses
38,554

 
37,426

 
38,979

 
33,597

 
31,924

Total benefits and expenses
592,391

 
683,198

 
1,040,183

 
(517,201
)
 
986,065

Income (loss) before income taxes
51,005

 
23,196

 
(39,463
)
 
66,216

 
207,673

Income tax expense (benefit) (d)
13,645

 
4,606

 
(9,453
)
 
12,393

 
38,345

Net income (loss) (a)(b)(c)(d)
$
37,360

 
$
18,590

 
$
(30,010
)
 
$
53,823

 
$
169,328

 
 
 
 
 
 
 
 
 
 
Earnings (loss) per common share
$
0.41

 
$
0.20

 
$
(0.33
)
 
$
0.59

 
$
1.87

Earnings (loss) per common share - assuming dilution (a)(b)(c)(d)
$
0.41

 
$
0.20

 
$
(0.33
)
 
$
0.59

 
$
1.85

 
 
 
 
 
 
 
 
 
 
Weighted average common shares outstanding (thousands):
 
 
 
 
 
 
 
 
 
Earnings (loss) per common share
91,252

 
91,103

 
90,883

 
90,555

 
90,486

Earnings (loss) per common share - assuming dilution
91,711

 
91,785

 
91,744

 
91,622

 
91,651

(a)
Q3 2019 includes expense from the revision of assumptions used in determining reserves held for lifetime income benefit riders. The impact increased interest sensitive and index product benefits by $315.4 million and decreased net income and earnings per common share - assuming dilution by $247.3 million and $2.70 per share, respectively.
Q3 2018 includes a benefit from the revision of assumptions used in determining reserves held for lifetime income benefit riders. The impact decreased interest sensitive and index product benefits by $53.6 million and increased net income and earnings per common share - assuming dilution by $42.0 million and $0.46 per share, respectively.
(b)
Q3 2019 includes a benefit from unlocking which reduced amortization of deferred sales inducements and deferred policy acquisition costs by $104.7 million and $193.0 million, respectively, and increased net income and earnings per common share - assuming dilution by $233.4 million and $2.54 per share, respectively.
Q3 2018 includes a benefit from unlocking which reduced amortization of deferred sales inducements and deferred policy acquisition costs by $21.5 million and $30.6 million, respectively, and increased net income and earnings per common share - assuming dilution by $40.8 million and $0.45 per share, respectively.
(c)
Q3 2019 includes expense from the revision of assumptions used in determining the embedded derivative component of our fixed index annuity policy benefit reserves. The impact increased change in fair value of embedded derivatives by $28.2 million and decreased net income and earnings per common share - assuming dilution by $22.1 million and $0.24 per share. respectively.
Q3 2018 includes expense from the revision of assumptions used in determining the embedded derivative component of our fixed index annuity policy benefit reserves. The impact increased change in fair value of embedded derivatives by $8.5 million and decreased net income and earnings per common share - assuming dilution by $6.6 million and $0.07 per share, respectively.
(d)
Q3 2018 includes an income tax benefit from a worthless stock deduction related to a wholly-owned subsidiary which increased net income and earnings per common share - assuming dilution by $7.4 million and $0.08 per share, respectively.

Page 3



AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY
Financial Supplement - September 30, 2019
Unaudited (Dollars in thousands, except per share data)


NON-GAAP FINANCIAL MEASURES
In addition to net income, we have consistently utilized non-GAAP operating income and non-GAAP operating income per common share - assuming dilution, non-GAAP financial measures commonly used in the life insurance industry, as economic measures to evaluate our financial performance. Non-GAAP operating income equals net income adjusted to eliminate the impact of items that fluctuate from quarter to quarter in a manner unrelated to core operations, and we believe measures excluding their impact are useful in analyzing operating trends. The most significant adjustments to arrive at non-GAAP operating income eliminate the impact of fair value accounting for our fixed index annuity business. These adjustments are not economic in nature but rather impact the timing of reported results. We believe the combined presentation and evaluation of non-GAAP operating income together with net income provides information that may enhance an investor’s understanding of our underlying results and profitability.
Reconciliation from Net Income to Non-GAAP Operating Income
 
Three Months Ended 
 September 30,
 
Nine Months Ended 
 September 30,
 
2019
 
2018
 
2019
 
2018
Net income
$
37,360

 
$
169,328

 
$
25,940

 
$
404,193

Adjustments to arrive at non-GAAP operating income: (a)
 
 
 
 
 
 
 
Net realized investment gains/losses, including OTTI
(3,175
)
 
10,278

 
(245
)
 
35,925

Change in fair value of derivatives and embedded derivatives - fixed index annuities
250,186

 
545

 
500,998

 
(108,367
)
Change in fair value of derivatives - debt
(76
)
 
(597
)
 
1,414

 
(3,168
)
Income taxes
(50,940
)
 
(8,491
)
 
(105,759
)
 
6,822

Non-GAAP operating income
$
233,355

 
$
171,063

 
$
422,348

 
$
335,405

 
 
 
 
 
 
 
 
Per common share - assuming dilution:
 
 
 
 
 
 
 
Net income
$
0.41

 
$
1.85

 
$
0.28

 
$
4.42

Adjustments to arrive at non-GAAP operating income:
 
 
 
 
 
 
 
Net realized investment gains/losses, including OTTI
(0.04
)
 
0.11

 

 
0.39

Change in fair value of derivatives and embedded derivatives - fixed index annuities
2.73

 
0.01

 
5.46

 
(1.19
)
Change in fair value of derivatives - debt

 
(0.01
)
 
0.01

 
(0.03
)
Income taxes
(0.56
)
 
(0.09
)
 
(1.15
)
 
0.08

Non-GAAP operating income
$
2.54

 
$
1.87

 
$
4.60

 
$
3.67

(a)
Adjustments to net income to arrive at non-GAAP operating income are presented net of related adjustments to amortization of deferred sales inducements (DSI) and deferred policy acquisition costs (DAC) where applicable.

Page 4



AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY
Financial Supplement - September 30, 2019
Unaudited (Dollars in thousands)


NON-GAAP FINANCIAL MEASURES
Summary of Adjustments to Arrive at Non-GAAP Operating Income
 
Three Months Ended 
 September 30,
 
Nine Months Ended 
 September 30,
 
2019
 
2018
 
2019
 
2018
Net realized investment gains and losses, including OTTI:
 
 
 
 
 
 
 
Net realized gains/losses on investments, including OTTI
$
(4,227
)
 
$
16,569

 
$
1,381

 
$
57,951

Amortization of DAC and DSI
1,052

 
(6,291
)
 
(1,626
)
 
(22,026
)
Income taxes
3,151

 
(1,187
)
 
2,518

 
(9,908
)
 
$
(24
)
 
$
9,091

 
$
2,273

 
$
26,017

Change in fair value of derivatives and embedded derivatives:
 
 
 
 
 
 
 
Index annuities
$
132,411

 
$
(24,367
)
 
$
591,577

 
$
(254,647
)
Interest rate caps and swap
(76
)
 
(597
)
 
1,414

 
(3,168
)
Amortization of DAC and DSI
117,775

 
24,912

 
(90,579
)
 
146,280

Income taxes
(54,091
)
 
144

 
(108,277
)
 
24,178

 
$
196,019

 
$
92

 
$
394,135

 
$
(87,357
)
Worthless stock deduction:
 
 
 
 
 
 
 
Income taxes
$

 
$
(7,448
)
 
$

 
$
(7,448
)


Page 5



AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY
Financial Supplement - September 30, 2019
Unaudited (Dollars in thousands, except per share data)


NON-GAAP FINANCIAL MEASURES
Quarterly Summary - Most Recent 5 Quarters
Reconciliation from Net Income (Loss) to Non-GAAP Operating Income
 
Q3 2019
 
Q2 2019
 
Q1 2019
 
Q4 2018
 
Q3 2018
Net income (loss)
$
37,360

 
$
18,590

 
$
(30,010
)
 
$
53,823

 
$
169,328

Adjustments to arrive at non-GAAP operating income: (a)
 
 
 
 
 
 
 
 
 
Net realized investment gains/losses, including OTTI
(3,175
)
 
2,625

 
305

 
9,525

 
10,278

Change in fair value of derivatives and embedded derivatives -
fixed index annuities
250,186

 
99,868

 
150,944

 
36,186

 
545

Change in fair value of derivatives - debt
(76
)
 
854

 
636

 
1,276

 
(597
)
Income taxes
(50,940
)
 
(22,346
)
 
(32,473
)
 
(10,475
)
 
(8,491
)
Non-GAAP operating income (b)(c)
$
233,355

 
$
99,591

 
$
89,402

 
$
90,335

 
$
171,063

 
 
 
 
 
 
 
 
 
 
Per common share - assuming dilution:
 
 
 
 
 
 
 
 
 
Net income (loss)
$
0.41

 
$
0.20

 
$
(0.33
)
 
$
0.59

 
$
1.85

Adjustments to arrive at non-GAAP operating income:
 
 
 
 
 
 
 
 
 
Net realized investment gains/losses, including OTTI
(0.04
)
 
0.03

 

 
0.10

 
0.11

Change in fair value of derivatives and embedded derivatives - fixed index annuities
2.73

 
1.09

 
1.64

 
0.40

 
0.01

Change in fair value of derivatives - debt

 
0.01

 
0.01

 
0.01

 
(0.01
)
Income taxes
(0.56
)
 
(0.24
)
 
(0.35
)
 
(0.11
)
 
(0.09
)
Non-GAAP operating income (b)(c)
$
2.54

 
$
1.09

 
$
0.97

 
$
0.99

 
$
1.87

(a)
Adjustments to net income (loss) to arrive at non-GAAP operating income are presented net of related adjustments to amortization of deferred sales inducements and deferred policy acquisition costs where applicable.
(b)
Q3 2019 includes expense from the revision of assumptions used in determining reserves held for lifetime income benefit riders. The impact increased interest sensitive and index product benefits by $315.4 million and decreased non-GAAP operating income and non-GAAP operating income per common share - assuming dilution by $247.3 million and $2.70 per share, respectively.
Q3 2018 includes a benefit from the revision of assumptions used in determining reserves held for lifetime income benefit riders. The impact decreased interest sensitive and index product benefits by $53.6 million and increased non-GAAP operating income and non-GAAP operating income per common share - assuming dilution by $42.0 million and $0.46 per share, respectively.
(c)
Q3 2019 includes a benefit from unlocking which reduced amortization of deferred sales inducements and deferred policy acquisition costs by $184.9 million and $288.3 million, respectively, and increased non-GAAP operating income and non-GAAP operating income per common share- assuming dilution by $371.0 million and $4.05 per share, respectively.
Q3 2018 includes a benefit from unlocking which reduced amortization of deferred sales inducements and deferred policy acquisition costs by $20.5 million and $28.7 million, respectively, and increased non-GAAP operating income and non-GAAP operating income per common share- assuming dilution by $38.5 million and $0.42 per share, respectively.


Page 6



AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY
Financial Supplement - September 30, 2019
Unaudited (Dollars in thousands)


NON-GAAP FINANCIAL MEASURES
Summary of Adjustments to Arrive at Non-GAAP Operating Income
 
Q3 2019
 
Q2 2019
 
Q1 2019
 
Q4 2018
 
Q3 2018
Net realized (gains) losses on investments
$
(4,328
)
 
$
3,832

 
$
563

 
$
(3,097
)
 
$
2,196

Net OTTI losses recognized in operations
101

 
1,213

 

 
18,980

 
14,373

Change in fair value of derivatives
(79,943
)
 
(108,662
)
 
(524,567
)
 
1,017,555

 
(408,680
)
Increase (decrease) in total revenues
(84,170
)
 
(103,617
)
 
(524,004
)
 
1,033,438

 
(392,111
)
 
 
 
 
 
 
 
 
 
 
Amortization of deferred sales inducements
(57,408
)
 
49,101

 
35,494

 
77,745

 
(7,219
)
Change in fair value of embedded derivatives
(212,278
)
 
(327,562
)
 
(766,323
)
 
804,026

 
(383,716
)
Amortization of deferred policy acquisition costs
(61,419
)
 
71,497

 
54,940

 
104,680

 
(11,402
)
Increase (decrease) in total benefits and expenses
(331,105
)
 
(206,964
)
 
(675,889
)
 
986,451

 
(402,337
)
Increase in income (loss) before income taxes
246,935

 
103,347

 
151,885

 
46,987

 
10,226

Increase in income tax expense (benefit)
50,940

 
22,346

 
32,473

 
10,475

 
8,491

Increase in net income (loss)
$
195,995

 
$
81,001

 
$
119,412

 
$
36,512

 
$
1,735


Page 7



AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY
Financial Supplement - September 30, 2019
Unaudited (Dollars in thousands, except share and per share data)


Capitalization/Book Value per Share
 
Q3 2019
 
Q2 2019
 
Q1 2019
 
Q4 2018
 
Q3 2018
Capitalization:
 
 
 
 
 
 
 
 
 
Notes payable
$
500,000

 
$
500,000

 
$
500,000

 
$
500,000

 
$
500,000

Subordinated debentures payable to subsidiary trusts
247,362

 
247,294

 
247,227

 
247,161

 
247,096

Total debt
747,362

 
747,294


747,227


747,161


747,096

Total stockholders’ equity
4,126,716

 
3,497,475

 
2,939,537

 
2,399,101

 
2,489,296

Total capitalization
4,874,078

 
4,244,769


3,686,764


3,146,262


3,236,392

Accumulated other comprehensive (income) loss (AOCI)
(1,639,429
)
 
(1,049,984
)
 
(513,697
)
 
52,432

 
(70,288
)
Total capitalization excluding AOCI (a)
$
3,234,649

 
$
3,194,785


$
3,173,067


$
3,198,694


$
3,166,104

 
 
 
 
 
 
 
 
 
 
Total stockholders’ equity
$
4,126,716

 
$
3,497,475


$
2,939,537


$
2,399,101


$
2,489,296

Accumulated other comprehensive (income) loss
(1,639,429
)
 
(1,049,984
)

(513,697
)

52,432


(70,288
)
Total stockholders’ equity excluding AOCI (a)
$
2,487,287

 
$
2,447,491


$
2,425,840


$
2,451,533


$
2,419,008

 
 
 
 
 
 
 
 
 
 
Common shares outstanding
91,006,950

 
90,936,324

 
90,784,123

 
90,369,229

 
90,277,626

 
 
 
 
 
 
 
 
 
 
Book Value per Share: (b)
 
 
 
 
 
 
 
 
 
Book value per share including AOCI
$
45.35

 
$
38.46


$
32.38


$
26.55


$
27.57

Book value per share excluding AOCI (a)
$
27.33

 
$
26.91


$
26.72


$
27.13


$
26.80

 
 
 
 
 
 
 
 
 
 
Debt-to-Capital Ratios: (c)
 
 
 
 
 
 
 
 
 
Senior debt / Total capitalization
15.5
%
 
15.7
%

15.8
%

15.6
%

15.8
%
Total debt / Total capitalization
23.1
%

23.4
%

23.5
%

23.4
%

23.6
%
(a)
Total capitalization, total stockholders’ equity and book value per share excluding AOCI, non-GAAP financial measures, are based on stockholders’ equity excluding the effect of AOCI. Since AOCI fluctuates from quarter to quarter due to unrealized changes in the fair value of available for sale securities, we believe these non-GAAP financial measures provide useful supplemental information.
(b)
Book value per share including and excluding AOCI is calculated as total stockholders’ equity and total stockholders’ equity excluding AOCI divided by the total number of shares of common stock outstanding.
(c)
Debt-to-capital ratios are computed using total capitalization excluding AOCI.

Page 8



AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY
Financial Supplement - September 30, 2019
Unaudited (Dollars in thousands)


Spread Results
Nine Months Ended 
 September 30,
 
 
 
 
 
 
 
 
 
 
2019
 
2018
 
Q3 2019
 
Q2 2019
 
Q1 2019
 
Q4 2018
 
Q3 2018
4.53%
 
4.46%
Average yield on invested assets
4.59%
 
4.51%
 
4.48%
 
4.51%
 
4.54%
1.87%
 
1.84%
Aggregate cost of money
1.84%
 
1.88%
 
1.90%
 
1.95%
 
1.87%
2.66%
 
2.62%
Aggregate investment spread
2.75%
 
2.63%
 
2.58%
 
2.56%
 
2.67%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Impact of:
 
 
 
 
 
 
 
 
 
0.06%
 
0.08%
Investment yield - additional prepayment income
0.11%
 
0.04%
 
0.01%
 
0.09%
 
0.11%
0.04%
 
0.05%
Cost of money effect of over hedging
0.02%
 
0.04%
 
0.02%
 
0.03%
 
0.07%
 
 
 
 
 
 
 
 
 
 
 
 
 
$50,716,178
 
$47,720,190
Weighted average investments
$51,529,850
 
$50,709,966
 
$49,908,718
 
$49,258,548
 
$48,466,817
Weighted average investments include fixed maturity securities at amortized cost and equity securities at cost. The numerator for average yield on invested assets includes net investment income and the tax effect of investment income that is exempt from income taxes.
Summary of Cost of Money for Deferred Annuities
Nine Months Ended 
 September 30,
 
 
 
 
 
 
 
 
 
 
2019
 
2018
 
Q3 2019
 
Q2 2019
 
Q1 2019
 
Q4 2018
 
Q3 2018
 
 
 
Included in interest sensitive and index product benefits:
 
 
 
 
 
 
 
 
 
$
310,020

 
$
1,127,556

Index credits
$
92,343

 
$
161,752

 
$
55,925

 
$
157,999

 
$
369,011

147,425

 
160,607

Interest credited
49,511

 
50,478

 
47,436

 
53,559

 
52,618

 
 
 
Included in change in fair value of derivatives:
 
 
 
 
 
 
 
 
 
(320,381
)
 
(1,145,322
)
Proceeds received at option expiration
(95,491
)
 
(166,430
)
 
(58,460
)
 
(162,433
)
 
(378,149
)
592,857

 
540,559

Pro rata amortization of option cost
195,354

 
199,006

 
198,497

 
198,999

 
191,362

$
729,921

 
$
683,400

Cost of money for deferred annuities
$
241,717

 
$
244,806


$
243,398


$
248,124


$
234,842

 
 
 
 
 
 
 
 
 
 
 
 
 
$
52,007,003

 
$
49,530,043

Weighted average liability balance outstanding
$
52,682,886

 
$
52,009,407

 
$
51,328,715

 
$
50,832,984

 
$
50,273,893

Annuity Account Balance Rollforward
Nine Months Ended 
 September 30,
 
 
 
 
 
 
 
 
 
 
2019
 
2018
 
Q3 2019
 
Q2 2019
 
Q1 2019
 
Q4 2018
 
Q3 2018
$
51,053,450

 
$
48,400,755

Account balances at beginning of period
$
52,414,835

 
$
51,603,979

 
$
51,053,450

 
$
50,612,519

 
$
49,935,266

3,822,410

 
2,927,071

Net deposits
1,216,720

 
1,425,325

 
1,180,365

 
1,040,857

 
929,480

140,959

 
135,015

Premium bonuses
46,968

 
48,370

 
45,621

 
44,450

 
41,878

457,445

 
1,288,163

Fixed interest credited and index credits
141,854

 
212,230

 
103,361

 
211,558

 
421,629

(56,473
)
 
(49,934
)
Surrender charges
(20,537
)
 
(19,480
)
 
(16,456
)
 
(15,710
)
 
(17,132
)
(120,840
)
 
(114,160
)
Lifetime income benefit rider fees
(43,110
)
 
(41,220
)
 
(36,510
)
 
(44,684
)
 
(41,233
)
(2,346,014
)
 
(1,974,391
)
Surrenders, withdrawals, deaths, etc.
(805,793
)
 
(814,369
)
 
(725,852
)
 
(795,540
)
 
(657,369
)
$
52,950,937

 
$
50,612,519

Account balances at end of period
$
52,950,937

 
$
52,414,835

 
$
51,603,979

 
$
51,053,450

 
$
50,612,519


Page 9



AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY
Financial Supplement - September 30, 2019
Unaudited (Dollars in thousands)


Annuity Deposits by Product Type
Nine Months Ended 
 September 30,
 
 
 
 
 
 
 
 
 
 
2019
 
2018
 
Q3 2019
 
Q2 2019
 
Q1 2019
 
Q4 2018
 
Q3 2018
 
 
 
American Equity Life:
 
 
 
 
 
 
 
 
 
$
3,293,458

 
$
2,616,784

Fixed index annuities
$
1,054,796

 
$
1,211,004

 
$
1,027,658

 
$
944,097

 
$
830,759

9,402

 
40,062

Annual reset fixed rate annuities
2,340

 
3,614

 
3,448

 
5,574

 
8,390

1,307

 
3,249

Multi-year fixed rate annuities
593

 
566

 
148

 
332

 
360

7,129

 
20,920

Single premium immediate annuities
3,314

 
1,747

 
2,068

 
2,893

 
4,977

3,311,296

 
2,681,015

 
1,061,043

 
1,216,931

 
1,033,322

 
952,896

 
844,486

 
 
 
Eagle Life:
 
 
 
 
 
 
 
 
 
579,119

 
497,554

Fixed index annuities
166,081

 
235,558

 
177,480

 
162,847

 
163,871

193

 
1,071

Annual reset fixed rate annuities

 
66

 
127

 
484

 
450

151,572

 
96,294

Multi-year fixed rate annuities
79,000

 
47,004

 
25,568

 
12,802

 
34,851

730,884

 
594,919

 
245,081

 
282,628

 
203,175

 
176,133

 
199,172

 
 
 
Consolidated:
 
 
 
 
 
 
 
 
 
3,872,577

 
3,114,338

Fixed index annuities
1,220,877

 
1,446,562

 
1,205,138

 
1,106,944

 
994,630

9,595

 
41,133

Annual reset fixed rate annuities
2,340


3,680


3,575


6,058


8,840

152,879

 
99,543

Multi-year fixed rate annuities
79,593

 
47,570

 
25,716

 
13,134

 
35,211

7,129

 
20,920

Single premium immediate annuities
3,314

 
1,747

 
2,068

 
2,893

 
4,977

4,042,180

 
3,275,934

Total before coinsurance ceded
1,306,124

 
1,499,559

 
1,236,497

 
1,129,029

 
1,043,658

212,641

 
327,943

Coinsurance ceded
86,090

 
72,487

 
54,064

 
85,279

 
109,201

$
3,829,539

 
$
2,947,991

Net after coinsurance ceded
$
1,220,034

 
$
1,427,072

 
$
1,182,433

 
$
1,043,750

 
$
934,457

Surrender Charge Protection and Account Values by Product Type
Annuity Surrender Charges and Net (of Coinsurance) Account Values at September 30, 2019:
 
 
Surrender Charge
 
Net Account Value
Product Type
 
Avg.
Years
At Issue
 
Avg.
Years
Remaining
 
Avg.
%
Remaining
 
Dollars in Thousands
 
%
Fixed Index Annuities
 
13.0
 
7.2
 
11.5%
 
$
50,911,448

 
96.2
%
Annual Reset Fixed Rate Annuities
 
9.7
 
3.5
 
6.4%
 
1,433,066

 
2.7
%
Multi-Year Fixed Rate Annuities
 
4.3
 
0.8
 
2.0%
 
606,423

 
1.1
%
Total
 
12.9
 
7.0
 
11.2%
 
$
52,950,937

 
100.0
%



Page 10



AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY
Financial Supplement - September 30, 2019
Unaudited (Dollars in thousands)


Annuity Liability Characteristics
Surrender Charge Percentages:
Fixed
Annuities
Account Value
 
Fixed Index
Annuities
Account Value
No surrender charge
$
816,680

 
$
2,569,974

0.0% < 2.0%
13,842

 
160,899

2.0% < 3.0%
9,747

 
443,704

3.0% < 4.0%
49,957

 
1,173,519

4.0% < 5.0%
32,387

 
896,308

5.0% < 6.0%
73,734

 
2,221,579

6.0% < 7.0%
306,995

 
1,335,479

7.0% < 8.0%
82,220

 
4,419,217

8.0% < 9.0%
40,890

 
3,575,909

9.0% < 10.0%
83,122

 
4,031,440

10.0% or greater
529,915

 
30,083,420

 
$
2,039,489

 
$
50,911,448

Surrender Charge Expiration By Year:
Fixed and
Fixed Index
Annuities
Account Value
 
Weighted
Average
Surrender
Charge
Out of Surrender Charge
$
3,386,654

 
0.00
%
2019
98,380

 
2.44
%
2020
757,416

 
3.12
%
2021
1,241,156

 
4.86
%
2022
1,783,700

 
5.98
%
2023
4,366,059

 
6.63
%
2024
5,283,230

 
8.89
%
2025
5,980,535

 
9.75
%
2026
5,274,141

 
11.22
%
2027
4,473,036

 
12.68
%
2028
4,752,511

 
13.51
%
2029
5,423,066

 
14.67
%
2030
2,603,811

 
17.54
%
2031
3,171,271

 
18.20
%
2032
2,161,827

 
18.62
%
2033
1,225,799

 
19.06
%
2034
705,818

 
19.56
%
2035
262,527

 
20.00
%
 
$
52,950,937

 
11.25
%

Page 11



AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY
Financial Supplement - September 30, 2019
Unaudited (Dollars in thousands)


Annuity Liability Characteristics
Credited Rate vs. Ultimate Minimum Guaranteed Rate Differential:
Fixed
Annuities
Account Value
 
Fixed Index
Annuities
Account Value
No differential
$
968,928

 
$
1,363,992

› 0.0% - 0.25%
52,478

 
177,132

› 0.25% - 0.5%
243,066

 
5,966

› 0.5% - 1.0%
41,586

 
12,523

› 1.0% - 1.5%
11,128

 

1.00% ultimate guarantee - 2.38% wtd avg interest rate (a)
460,406

 
681,514

1.50% ultimate guarantee - 1.20% wtd avg interest rate (a)
147,075

 
3,486,537

1.75% ultimate guarantee - 2.04% wtd avg interest rate (a)
32,518

 
347,917

2.00% ultimate guarantee - 1.85% wtd avg interest rate (a)
82,304

 

2.25% ultimate guarantee - 1.85% wtd avg interest rate (a)

 
842,104

3.00% ultimate guarantee - 2.05% wtd avg interest rate (a)

 
1,610,670

Allocated to index strategies (see tables that follow)

 
42,383,093

 
$
2,039,489

 
$
50,911,448

(a)
The minimum guaranteed interest rate for the fixed rate or the fixed rate strategy is 1.00%. The ultimate guaranteed rate is applied on less than 100% of the premium.
If all crediting rates were reduced to minimum guaranteed rates (subject to limitations imposed by ultimate minimum guaranteed rates where applicable) the weighted average crediting rate as of September 30, 2019 for fixed annuities and funds allocated to the fixed rate strategy for fixed index annuities would decrease by 0.16%.

Page 12



AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY
Financial Supplement - September 30, 2019
Unaudited (Dollars in thousands)


Annuity Liability Characteristics
FIXED INDEX ANNUITIES ACCOUNT VALUE - INDEX STRATEGIES
    
Annual Monthly Average and Point-to-Point with Caps
 
Minimum Guaranteed Cap
 
1%
 
3%
 
4%
 
7%
 
8% +
Current Cap
 
 
 
 
 
 
 
 
 
At minimum
$
1,431

 
$
91,506

 
$
4,688,839

 
$
68,772

 
$
164,070

1.75% - 3%
8,028,431

 

 

 

 

3% - 4%
279,597

 
12,471

 

 

 

4% - 5%
742,666

 
232,303

 
1,777,382

 

 

5% - 6%
591,323

 
201,145

 
33,210

 

 

6% - 7%

 

 
422

 

 

>= 7%
9,965

 
7,482

 
718

 
6,219

 

Annual Monthly Average and Point-to-Point with Participation Rates
 
Minimum Guaranteed Participation Rate
 
10%
 
20% - 25%
 
35%
 
50% +
Current Participation Rate
 
 
 
 
 
 
 
At minimum
$
945

 
$
367,788

 
$
103,666

 
$
114,499

< 20%
732,716

 

 

 

20% - 40%
937,898

 
162,923

 

 

40% - 60%
2,969,785

 
95,549

 
60,382

 

60% - 100%
382,016

 

 

 

> 100%
263,083

 

 

 

S&P 500 Monthly Point-to-Point - Minimum Guaranteed Monthly Cap = 1.0%
Current Cap
 
At minimum
$
1,465,331

1.10% - 1.30%
7,524,703

1.40% - 1.60%
3,153,919

1.70% - 2.00%
466,712

>= 2.10%
981

Volatility Control Index
 
Current Asset Fee
 
At Maximum
$

0.75% - 1.75%
414,144

2.25% - 2.75%
264,590

3.00% - 3.50%
3,216,657

3.75% - 4.50%
1,492,327

If all caps and participation rates were reduced to minimum caps and participation rates and current asset fees were increased to their maximums, the cost of options would decrease by 0.70% based upon prices of options for the week ended October 15, 2019.

Page 13



AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY
Financial Supplement - September 30, 2019
Unaudited (Dollars in thousands)


Summary of Invested Assets
 
September 30, 2019
 
December 31, 2018
 
Carrying
Amount
 
Percent
 
Carrying
Amount
 
Percent
Fixed maturity securities:
 
 
 
 
 
 
 
United States Government full faith and credit
$
12,343

 
%
 
$
11,652

 
%
United States Government sponsored agencies
695,030

 
1.2
%
 
1,138,529

 
2.3
%
United States municipalities, states and territories
4,517,661

 
8.0
%
 
4,126,267

 
8.3
%
Foreign government obligations
207,420

 
0.4
%
 
230,274

 
0.5
%
Corporate securities
32,897,127

 
58.0
%
 
28,371,514

 
57.4
%
Residential mortgage backed securities
1,557,156

 
2.7
%
 
1,202,159

 
2.4
%
Commercial mortgage backed securities
5,839,510

 
10.3
%
 
5,379,003

 
10.9
%
Other asset backed securities
6,128,137

 
10.8
%
 
5,464,329

 
11.1
%
Total fixed maturity securities
51,854,384

 
91.4
%
 
45,923,727

 
92.9
%
Mortgage loans on real estate
3,212,075

 
5.7
%
 
2,943,091

 
6.0
%
Derivative instruments
963,081

 
1.7
%
 
205,149

 
0.4
%
Other investments
694,416

 
1.2
%
 
355,531

 
0.7
%
 
$
56,723,956

 
100.0
%
 
$
49,427,498

 
100.0
%
Credit Quality of Fixed Maturity Securities - September 30, 2019
NAIC Designation
 
Carrying
Amount
 
Percent
 
Rating Agency Rating
 
Carrying
Amount
 
Percent
1
 
$
30,351,227

 
58.5
%
 
Aaa/Aa/A
 
$
30,619,526

 
59.0
%
2
 
20,232,420

 
39.0
%
 
Baa
 
19,931,665

 
38.4
%
3
 
1,145,174

 
2.2
%
 
Ba
 
1,022,165

 
2.0
%
4
 
101,830

 
0.2
%
 
B
 
84,566

 
0.2
%
5
 
16,920

 
0.1
%
 
Caa
 
102,503

 
0.2
%
6
 
6,813

 
%
 
Ca and lower
 
93,959

 
0.2
%
 
 
$
51,854,384

 
100.0
%
 
 
 
$
51,854,384

 
100.0
%
Watch List Securities - September 30, 2019
General Description
 
Amortized
Cost
 
Unrealized
Gains (Losses)
 
Fair Value
 
Months Below Amortized Cost
Below investment grade
 
 
 
 
 
 
 
 
Corporate securities:
 
 
 
 
 
 
 
 
Consumer discretionary
 
$
52,607

 
$
(6,089
)
 
$
46,518

 
0 - 56
Energy
 
55,696

 
(23,734
)
 
31,962

 
31 - 61
Industrials
 
563

 
(38
)
 
525

 
4
Materials
 
3,990

 
980

 
4,970

 
Other asset backed securities:
 
 
 
 
 
 
 
 
Financials
 
977

 
326

 
1,303

 
Industrials
 
8,559

 
(2,628
)
 
5,931

 
47
 
 
$
122,392

 
$
(31,183
)
 
$
91,209

 
 

Page 14



AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY
Financial Supplement - September 30, 2019
Unaudited (Dollars in thousands)


Fixed Maturity Securities by Sector
 
September 30, 2019
 
December 31, 2018
 
Amortized
Cost
 
Fair
Value
 
Amortized
Cost
 
Fair
Value
Available for sale:
 
 
 
 
 
 
 
United States Government full faith and credit and sponsored agencies
$
675,494

 
$
707,373

 
$
1,220,340

 
$
1,150,181

United States municipalities, states and territories
4,053,836

 
4,517,661

 
3,880,703

 
4,126,267

Foreign government obligations
186,979

 
207,420

 
226,860

 
230,274

Corporate securities:
 
 
 
 
 
 
 
Capital goods
2,618,615

 
2,883,293

 
2,491,620

 
2,485,845

Consumer discretionary
6,101,839

 
6,690,920

 
5,742,182

 
5,665,192

Energy
2,549,042

 
2,700,232

 
2,543,114

 
2,468,545

Financials
6,733,044

 
7,341,141

 
6,046,859

 
6,054,591

Government non-guaranteed
564,480

 
636,547

 
564,912

 
578,657

Industrials
311,290

 
341,756

 
302,078

 
298,620

Information technology
1,930,629

 
2,118,411

 
1,794,676

 
1,781,800

Materials
1,962,087

 
2,107,763

 
1,771,359

 
1,759,325

Other
439,453

 
484,585

 
434,228

 
432,739

Telecommunications
1,547,428

 
1,703,894

 
1,604,307

 
1,594,978

Transportation
1,492,222

 
1,616,676

 
1,438,723

 
1,428,378

Utilities
3,792,460

 
4,271,909

 
3,749,080

 
3,822,844

Residential mortgage backed securities:
 
 
 
 
 
 
 
Government agency
602,364

 
667,143

 
604,998

 
636,632

Prime
733,166

 
770,877

 
420,350

 
434,991

Alt-A
98,586

 
119,136

 
109,275

 
130,536

Commercial mortgage backed securities:
 
 
 
 
 
 
 
Government agency
416,731

 
453,683

 
442,287

 
438,063

Non-agency
5,148,140

 
5,385,827

 
5,049,984

 
4,940,940

Other asset backed securities:
 
 
 
 
 
 
 
Auto
404,638

 
414,360

 
315,439

 
318,616

Energy
7,506

 
8,781

 

 

Financials
4,967

 
5,520

 
8,322

 
8,931

Industrials
161,240

 
165,904

 
217,358

 
216,724

Collateralized loan obligations
4,819,438

 
4,630,960

 
4,579,467

 
4,320,168

Military housing
475,030

 
554,481

 
438,350

 
464,071

Other
339,852

 
348,131

 
134,319

 
135,819

 
$
48,170,556

 
$
51,854,384

 
$
46,131,190

 
$
45,923,727



Page 15



AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY
Financial Supplement - September 30, 2019
Unaudited (Dollars in thousands)


Mortgage Loans on Commercial Real Estate
 
September 30, 2019
 
December 31, 2018
 
Principal
 
Percent
 
Principal
 
Percent
Geographic distribution
 
 
 
 
 
 
 
East
$
600,204

 
18.6
%
 
$
586,773

 
19.9
%
Middle Atlantic
240,241

 
7.5
%
 
168,969

 
5.7
%
Mountain
372,437

 
11.6
%
 
357,642

 
12.1
%
New England
9,220

 
0.3
%
 
9,418

 
0.3
%
Pacific
579,831

 
18.0
%
 
521,363

 
17.7
%
South Atlantic
739,498

 
22.9
%
 
694,599

 
23.5
%
West North Central
281,067

 
8.7
%
 
291,890

 
9.9
%
West South Central
398,654

 
12.4
%
 
321,810

 
10.9
%
 
$
3,221,152

 
100.0
%
 
$
2,952,464

 
100.0
%
 
 
 
 
 
 
 
 
Property type distribution
 
 
 
 
 
 
 
Office
$
249,703

 
7.7
%
 
$
268,932

 
9.1
%
Medical office
30,930

 
1.0
%
 
33,467

 
1.1
%
Retail
1,185,510

 
36.8
%
 
1,091,627

 
37.0
%
Industrial/Warehouse
859,410

 
26.7
%
 
762,887

 
25.8
%
Apartment
695,726

 
21.6
%
 
600,638

 
20.3
%
Agricultural
39,205

 
1.2
%
 
25,000

 
0.9
%
Mixed use/other
160,668

 
5.0
%
 
169,913

 
5.8
%
 
$
3,221,152

 
100.0
%
 
$
2,952,464

 
100.0
%
 
 
 
 
 
 
 
 
 
September 30, 2019
 
December 31, 2018
 
 
 
 
Credit exposure - by payment activity
 
 
 
 
 
 
 
Performing
$
3,221,152

 
$
2,952,464

 
 
 
 
In workout

 

 
 
 
 
Delinquent

 

 
 
 
 
Collateral dependent

 

 
 
 
 
 
3,221,152

 
2,952,464

 
 
 
 
Specific loan loss allowance
(229
)
 
(229
)
 
 
 
 
General loan loss allowance
(7,850
)
 
(8,010
)
 
 
 
 
Deferred prepayment fees
(998
)
 
(1,134
)
 
 
 
 
 
$
3,212,075

 
$
2,943,091

 
 
 
 


Page 16



AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY
Financial Supplement - September 30, 2019


Shareholder Information
Corporate Offices:
American Equity Investment Life Holding Company
6000 Westown Parkway
West Des Moines, IA 50266
Inquiries:
Steven Schwartz, Vice President-Investor Relations
(515) 273-3763, sschwartz@american-equity.com
Common Stock and Dividend Information:
New York Stock Exchange symbol: “AEL
 
High
 
Low
 
Close
 
Dividend Declared
2019
 
 
 
 
 
 
 
First Quarter
$33.57
 
$26.34
 
$27.02
 
$0.00
Second Quarter
$30.91
 
$25.84
 
$27.16
 
$0.00
Third Quarter
$27.80
 
$20.16
 
$24.20
 
$0.00
 
 
 
 
 
 
 
 
2018
 
 
 
 
 
 
 
First Quarter
$35.79
 
$28.90
 
$29.36
 
$0.00
Second Quarter
$37.16
 
$27.06
 
$36.00
 
$0.00
Third Quarter
$38.57
 
$34.51
 
$35.36
 
$0.00
Fourth Quarter
$36.39
 
$25.27
 
$27.94
 
$0.28
 
 
 
 
 
 
 
 
2017
 
 
 
 
 
 
 
First Quarter
$28.00
 
$21.66
 
$23.63
 
$0.00
Second Quarter
$26.65
 
$22.23
 
$26.28
 
$0.00
Third Quarter
$29.43
 
$25.43
 
$29.08
 
$0.00
Fourth Quarter
$32.54
 
$28.06
 
$30.73
 
$0.26
Transfer Agent:
Computershare Trust Company, N.A.
P.O. Box 43010
Providence, RI 02940-0310
Phone: (877) 282-1169
Fax: (781) 575-2723
www.computershare.com
Annual Report and Other Information:
Shareholders may receive when available, without charge, a copy of American Equity’s Annual Report, SEC filings and/or press releases by calling Steven Schwartz, Vice President-Investor Relations, at (515) 273-3763 or by visiting our website at www.american-equity.com.



Page 17



AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY
Financial Supplement - September 30, 2019


Research Analyst Coverage
Erik Bass
Autonomous Research US LP
(646) 561-6248
ebass@autonomous.com
Randy Binner
B. Riley FBR, Inc.
(703) 312-1890
rbinner@fbr.com
Daniel Bergman
Citi Research
(212) 816-2132
daniel.bergman@citi.com
Thomas Gallagher
Evercore ISI
(212) 446-9439
thomas.gallagher@evercoreisi.com
Alex Scott
Goldman Sachs & Co. LLC
(917) 343-7160
alex.scott@gs.com
Pablo Singzon II
JP Morgan
(212) 622-2295
pablo.s.singzon@jpmorgan.com

 

Ryan Krueger
Keefe, Bruyette & Woods
(860) 722-5930
rkrueger@kbw.com
C. Gregory Peters
Raymond James & Associates, Inc.
(727) 567-1534
greg.peters@raymondjames.com
Mark A. Dwelle
RBC Capital Markets, LLC
(804) 782-4008
mark.dwelle@rbccm.com
John Barnidge
Sandler O'Neill & Partners, L.P.
(312) 281-3412
jbarnidge@sandleroneill.com
Mark Hughes
SunTrust Robinson Humphrey
(615) 748-4422
mark.hughes@suntrust.com
John Nadel
UBS Investment Bank
(212) 713-4299
john.nadel@ubs.com



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EX-101.SCH 4 ael-20191106.xsd XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT 0001000 - Document - Cover Page link:presentationLink link:calculationLink link:definitionLink EX-101.CAL 5 ael-20191106_cal.xml XBRL TAXONOMY EXTENSION CALCULATION LINKBASE DOCUMENT EX-101.DEF 6 ael-20191106_def.xml XBRL TAXONOMY EXTENSION DEFINITION LINKBASE DOCUMENT EX-101.LAB 7 ael-20191106_lab.xml XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT Cover page. 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Cover Page
Nov. 06, 2019
Cover page.  
Document Type 8-K
Document Period End Date Nov. 06, 2019
Entity Registrant Name AMERICAN EQUITY INVESTMENT LIFE HOLDING CO
Entity Incorporation, State or Country Code IA
Entity File Number 001-31911
Entity Tax Identification Number 42-1447959
Entity Address, Address Line One 6000 Westown Parkway
Entity Address, City or Town West Des Moines
Entity Address, State or Province IA
Entity Address, Postal Zip Code 50266
City Area Code 515
Local Phone Number 221-0002
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common stock, par value $1
Trading Symbol AEL
Security Exchange Name NYSE
Entity Emerging Growth Company false
Entity Central Index Key 0001039828
Amendment Flag false

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