EX-5.13 16 ael92297-272651.txt FORM OF VARIABLE ANNUITY APPLICATION - INNOVATIONS CLASSIC AMERICAN EXPRESS INNOVATIONS(SM) CLASSIC ADMINISTRATIVE OFFICES: VARIABLE ANNUITY APPLICATION 829 AXP Financial Center AMERICAN AMERICAN ENTERPRISE LIFE INSURANCE COMPANY Minneapolis, MN 55474 EXPRESS (R) [LOGO] ================================================================================================================================== 1. OWNER (check one) [ ] Same as Annuitant (Do not complete Annuitant information below) HOME TELEPHONE NUMBER ( ) ____________________ [ ] Joint with Annuitant (Spouse only) -- Only available for Non-qualified Annuities [ ] Other E-MAIL ADDRESS _____________________________________ NAME (First, Middle Initial, Last) __________________________________________________________________________________________________________________________________ ADDRESS (Street Address or P.O. Box, City, State, ZIP) __________________________________________________________________________________________________________________________________ CITIZENSHIP [ ] U.S. [ ] Other (Country) ________________________ SEX [ ] M [ ] F DATE OF BIRTH (MM/DD/YY) __________________________ SOCIAL SECURITY NUMBER (Tax Identification Number) ___________________________ For joint spousal owners, the annuitant's Social Security number will be used for tax reporting purposes unless you specify otherwise under SECTION 7 Remarks and Special Instructions. ================================================================================================================================== 2. ANNUITANT NAME (First, Middle Initial, Last) __________________________________________________________________________________________________________________________________ ADDRESS (Street Address or P.O. Box, City, State, ZIP) __________________________________________________________________________________________________________________________________ CITIZENSHIP [ ] U.S. [ ] Other (Country) ________________________ SEX [ ] M [ ] F DATE OF BIRTH (MM/DD/YY) __________________________ SOCIAL SECURITY NUMBER (Tax Identification Number) ___________________________ ================================================================================================================================== 3. PRIMARY BENEFICIARY (Name, relationship to the Annuitant; if unrelated, include Social Security number and date of birth) __________________________________________________________________________________________________________________________________ CONTINGENT BENEFICIARY (Name, relationship to the Annuitant; if unrelated, include Social Security number and date of birth) __________________________________________________________________________________________________________________________________ ================================================================================================================================== 4. REPLACEMENT Will the annuity applied for replace any existing insurance or annuity? [ ] Yes [ ] No If YES, provide details - company, contract number, amount, reason - under SECTION 7 Remarks and Special Instructions. ================================================================================================================================== 5. TYPE OF ANNUITY (check one) [ ] Non-qualified [ ] Traditional Individual Retirement Annuity (IRA) [ ] SEP-IRA [ ] Roth IRA [ ] TSA Rollover IF IRA (check and complete applicable types) Traditional IRA: Amount $_________________ for __________ (year) Rollover IRA: Amount $_________________ Traditional IRA: Amount $_________________ for __________ (year) Trustee to Trustee IRA: Amount $_________________ Roth Contributory: Amount $_________________ for __________ (year) Roth Conversion IRA: Amount $_________________ Roth Contributory: Amount $_________________ for __________ (year) SEP-IRA: Amount $_________________ for __________ (year) SEP-IRA: Amount $_________________ for __________ (year) NOTE: If purchasing an annuity within a tax-deferred retirement plan (i.e., IRA or TSA), SECTION 10 MUST also be completed. ================================================================================================================================== 6. BENEFIT SELECTION WITHDRAWAL CHARGE OPTIONS: | DEATH BENEFIT OPTIONS: MUST SELECT ONE | OPTIONAL BENEFITS: YOU MAY SELECT ONLY ONE ------------------------- | --------------------- | ----------------- | If you and the annuitant are age 79 or | [ ] Performance Credit Rider MUST SELECT ONE | younger, please make a death benefit | OR [ ] 5 Year Withdrawal Charge | selection below. If no selection is made | Guaranteed Minimum Income Benefit Rider OR | the death benefit will default to ROP. | (GMIB) Options: [ ] 7 Year Withdrawal Charge | [ ] Return of Purchase Payment (ROP) | [ ] GMIB-MAV (through annuitant's | [ ] Maximum Anniversary Value (MAV) | age 75; not available with ROP) | [ ] Enhanced Death Benefit (EDB) | OR | | | OPTIONAL DEATH BENEFITS: YOU MAY SELECT ONE | [ ] GMIB-6% rising floor (through | ----------------------- | annuitant's age 75; not available | (Through age 75. Not available with EDB) | with ROP) | [ ] Benefit Protector(SM) Death Benefit Rider | | OR | | [ ] Benefit Protector(SM) Plus Death | | Benefit Rider (Transfer or rollover only) |
------------------------------------------------------------------------------ 271552 APPLICATION CONTINUES Innovations Classic 272651 C (11/03) ============================================================================== 7. REMARKS AND SPECIAL INSTRUCTIONS (including special mailing instructions) ______________________________________________________________________________ ______________________________________________________________________________ ============================================================================== 8. PURCHASE PAYMENTS Initial Purchase Payment $_______________________________ (FOR DCA, SIP, REBALANCING AND INTEREST SWEEP OPTIONS COMPLETE THE INVESTMENT OPTIONS FORM.) Payment Allocation* FIXED ACCOUNT _____% AEL One-Year Fixed Account GUARANTEE PERIOD ACCOUNTS ($1,000 MINIMUM PER GPA) SOME OR ALL GPA DURATIONS MAY NOT BE AVAILABLE IN ALL STATES. _____% 2 Year Guarantee Period Account _____% 3 Year Guarantee Period Account _____% 4 Year Guarantee Period Account _____% 5 Year Guarantee Period Account _____% 6 Year Guarantee Period Account _____% 7 Year Guarantee Period Account _____% 8 Year Guarantee Period Account _____% 9 Year Guarantee Period Account _____% 10 Year Guarantee Period Account CASH EQUIVALENTS _____% AXP(R) VP - Cash Management Fund SHORT-TERM FIXED INCOME _____% AXP(R) VP - Short Duration U.S. Government Fund** LONG-/INTERMEDIATE-TERM FIXED INCOME _____% AXP(R) VP - Diversified Bond Fund _____% STI Classic Variable Trust Investment Grade Bond Fund HIGH-YIELD FIXED INCOME _____% Oppenheimer High Income Fund/VA, Service Shares MULTI-SECTOR FIXED INCOME _____% Oppenheimer Strategic Bond Fund/VA, Service Shares LARGE CAP STOCK _____% AIM V.I. Basic Value Fund, Series II Shares _____% AIM V.I. Premier Equity Fund, Series II Shares _____% AllianceBernstein VP Growth and Income Portfolio (Class B) _____% AllianceBernstein VP Premier Growth Portfolio (Class B) _____% AXP(R) VP - Diversified Equity Income Fund _____% AXP(R) VP - Growth Fund _____% AXP(R) VP - New Dimensions Fund(R) _____% AXP(R) VP - S&P 500 Index Fund _____% Fidelity VIP Contrafund Portfolio Service Class 2 _____% Fidelity VIP Growth Portfolio Service Class 2 _____% MFS(R) Investors Growth Stock Series - Service Class _____% Oppenheimer Capital Appreciation Fund/VA, Service Shares _____% Putnam VT Growth & Income Fund - Class IB Shares _____% Putnam VT Research Fund - Class IB Shares _____% STI Classic Variable Trust Capital Appreciation Fund _____% STI Classic Variable Trust Value Income Stock Fund MID CAP STOCK _____% AIM V.I. Capital Development Fund, Series II Shares _____% Fidelity VIP Mid Cap Portfolio Service Class 2 _____% FTVIPT Mutual Shares Securities Fund - Class 2 _____% Putnam VT Vista Fund - Class IB Shares _____% STI Classic Variable Trust Growth and Income Fund _____% STI Classic Variable Trust Mid-Cap Equity Fund SMALL CAP STOCK _____% AXP(R) VP - Partners Small Cap Value Fund _____% FTVIPT Franklin Small Cap Fund - Class 2 _____% FTVIPT Franklin Small Cap Value Securities Fund - Class 2 _____% MFS(R) New Discovery Series - Service Class _____% Oppenheimer Main Street Small Cap Fund/VA, Service Shares _____% STI Classic Variable Trust Small Cap Value Equity Fund _____% STI Classic Variable Trust International Equity Fund INTERNATIONAL STOCK _____% Fidelity VIP Overseas Portfolio Service Class 2 _____% FTVIPT Templeton Foreign Securities Fund - Class 2 _____% Putnam VT International Equity Fund - Class IB Shares WORLD STOCK _____% Oppenheimer Global Securities Fund/VA, Service Shares SPECIALTY/SECTOR _____% AllianceBernstein VP Technology Portfolio (Class B) _____% FTVIPT Franklin Real Estate Fund - Class 2 _____% MFS(R) Utilities Series - Service Class BALANCED _____% AllianceBernstein VP Total Return Portfolio (Class B) _____% MFS(R) Total Return Series - Service Class SPECIAL DCA _____% Special DCA ------------------------------------------------------------------------------ 100% MUST BE WHOLE NUMBERS AND TOTAL 100% * Your above payment allocation instructions will remain in effect for any future payments you make until you change your instructions. ** Effective 7/22/03. Formerly AXP(R) VP - Short Term U.S. Government Fund. ============================================================================== 9. TELEPHONE/ELECTRONIC TRANSACTION AUTHORIZATION By checking "Yes," I/we hereby authorize and direct American Enterprise Life Insurance Company (AEL) to accept telephone or electronic transaction instructions from the agent or registered/licensed assistant who can furnish proper identification to make transfers between accounts, change the allocation of future investments, and/or to request withdrawals to the extent authorized in the prospectus. AEL will use reasonable procedures to confirm that these instructions are authorized and genuine. AEL and I/we agree that these transactions will be made in accordance with procedures specified in the current prospectus for my AEL variable product. This authorization is valid until I/we cancel it in writing. However, AEL may, without notice, cancel or suspend this authorization or certain transactions at any time. I/we agree to hold harmless and indemnify AEL and its affiliates, including each of their directors, officers, employees and agents, for any loss, liability or expense arising from such instructions. [ ] YES ============================================================================== 10. IF THIS ANNUITY CONTRACT WILL BE USED TO FUND A TAX-DEFERRED RETIREMENT PLAN, PLEASE READ AND COMPLETE THE INFORMATION REQUESTED 1. I understand that I am purchasing an annuity that will be used to fund a retirement plan that is tax-deferred under the Internal Revenue Code. 2. I understand that any tax deferral benefits will be provided by the retirement plan, and that my annuity will not provide any necessary or additional tax deferral benefits. 3. I have received a copy of "Things to Know About Using an Annuity to Fund Your Tax-Deferred Retirement Plan" and understand the contents. 4. I have reviewed the costs of my annuity (including any mortality and expense risk fees, contract administrative charge, rider charges and withdrawal charges) and have decided that the benefits outweigh the costs for the following reasons (check or list all that apply): [ ] Access to multiple investment managers [ ] Access to a guaranteed interest rate in the fixed accounts [ ] Guaranteed lifetime income payout rates [ ] Ability to transfer among multiple investment options without additional charges [ ] Death benefit guarantees [ ] Retirement Income Guarantee Other (list) __________________________________________________________ _______________________________________________________________________ ------------------------------------------------------------------------------ 271552 APPLICATION CONTINUES Innovations Classic 272651 C (11/03) ============================================================================== 11. SOCIAL SECURITY OR TAXPAYER IDENTIFICATION NUMBER CERTIFICATION You certify, under the penalties of perjury as required by Form W-9 of the Internal Revenue Service, that: (1) The number shown on this form is your correct taxpayer identification number (or you are waiting for a number to be issued to you), and (2) You are not subject to backup withholding because: (a) you are exempt from backup withholding, or (b) you have not been notified by the Internal Revenue Service (IRS) that you are subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified you that you are no longer subject to backup withholding, and (3) You are a U.S. person (including a U.S. resident alien). You must cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding because you have failed to report all interest and dividends on your tax return. ============================================================================== 12. I/WE AGREE THAT: 1. All statements and answers given above are true and complete to the best of my/our knowledge and belief. 2. Only an officer of American Enterprise Life Insurance Company can modify any annuity contract or waive any requirement in this application. 3. If joint spousal owners are named, ownership will be in joint tenancy with right of survivorship unless prohibited by state of settlement or specified otherwise in SECTION 7 Remarks and Special Instructions. 4. I/WE ACKNOWLEDGE RECEIPT OF THE CURRENT PROSPECTUS FOR THE VARIABLE ANNUITY. 5. I/WE UNDERSTAND THAT EARNINGS AND VALUES, WHEN BASED ON THE INVESTMENT EXPERIENCE OF A VARIABLE FUND, PORTFOLIO, ACCOUNT OR SUBACCOUNT, ARE NOT GUARANTEED AND MAY BOTH INCREASE OR DECREASE. ALLOCATIONS AND TRANSFERS TO GUARANTEE PERIOD ACCOUNT(S) ARE SUBJECT TO MARKET VALUE ADJUSTMENTS PRIOR TO THE DATES SPECIFIED IN THE CONTRACT. 6. Tax law requires that all non-qualified deferred annuity contracts issued by the same company, to the same contract owner, during the same calendar year are to be treated as a single, unified contract. The amount of income included and taxed in a distribution (or a transaction deemed a distribution under tax law) taken from any one of such contracts is determined by summing all such contracts together. 7. I/we acknowledge receipt of American Enterprise Life Insurance Company's Privacy Notice. 8. I/we have read and understood the disclosures, if applicable, listed in SECTION 10 above. 9. If this annuity replaces any existing insurance or annuity, I/we acknowledge receipt of the Variable Annuity Replacement Disclosure or equivalent disclosure. 10. I/we acknowledge receipt of the Product Disclosure. 11. THE INTERNAL REVENUE SERVICE DOES NOT REQUIRE YOUR CONSENT TO ANY PROVISION OF THIS DOCUMENT OTHER THAN THE CERTIFICATIONS REQUIRED TO AVOID BACKUP WITHHOLDING. (SEE SECTION 11) SIGNATURES Location (City/State) ___________________________________________________________ Date __________________________________________ X________________________________________________________________________________ Owner Signature/Trustee or Custodian Signature (if Owner is Trust or Custodial account) X________________________________________________________________________________ Joint Owner (if any) Signature X________________________________________________________________________________ Annuitant Signature (if other than Owner)
------------------------------------------------------------------------------ 271552 APPLICATION CONTINUES Innovations Classic 272651 C (11/03) ============================================================================== 13. STATE SPECIFIC INFORMATION/FRAUD WARNINGS For applicants in Arizona: ------- WRITE TO US IF YOU WANT INFORMATION ABOUT YOUR ANNUITY CONTRACT BENEFITS AND PROVISIONS. WE'LL PROMPTLY SEND YOUR REQUESTED INFORMATION. IF FOR ANY REASON YOU ARE NOT SATISFIED WITH THE CONTRACT, YOU MAY RETURN IT TO US OR OUR AGENT WITHIN 10 DAYS AFTER RECEIVING IT. WE WILL REFUND AN AMOUNT EQUAL TO THE SUM OF THE CONTRACT VALUE AND ANY PREMIUM TAX CHARGES AND THE CONTRACT WILL THEN BE VOID. For applicants in Arkansas, Kentucky, Maine, New Mexico, Ohio and -------- -------- ----- --- ------ ---- Pennsylvania: ------------ ANY PERSON WHO KNOWINGLY AND WITH INTENT TO DEFRAUD ANY INSURANCE COMPANY OR OTHER PERSON FILES AN APPLICATION FOR INSURANCE OR STATEMENT OF CLAIM CONTAINING ANY MATERIALLY FALSE INFORMATION OR CONCEALS FOR THE PURPOSE OF MISLEADING, INFORMATION CONCERNING ANY FACT MATERIAL THERETO COMMITS A FRAUDULENT INSURANCE ACT, WHICH IS A CRIME AND SUBJECTS SUCH PERSON TO CRIMINAL AND CIVIL PENALTIES. For applicants in Colorado: -------- ANY PERSON WHO, WITH INTENT TO DEFRAUD OR KNOWING THAT HE OR SHE IS FACILITATING A FRAUD AGAINST AN INSURER, SUBMITS AN APPLICATION OR FILES A CLAIM CONTAINING A FALSE OR DECEPTIVE STATEMENT, MAY BE GUILTY OF INSURANCE FRAUD. For applicants in District of Columbia: -------------------- WARNING: IT IS A CRIME TO PROVIDE FALSE OR MISLEADING INFORMATION TO AN INSURER FOR THE PURPOSE OF DEFRAUDING THE INSURER OR ANY OTHER PERSON. PENALTIES INCLUDE IMPRISONMENT AND/OR FINES. IN ADDITION, AN INSURER MAY DENY INSURANCE BENEFITS IF FALSE INFORMATION MATERIALLY RELATED TO A CLAIM WAS PROVIDED BY THE APPLICANT. For applicants in Florida: ------- ANY PERSON WHO KNOWINGLY AND WITH INTENT TO INJURE, DEFRAUD, OR DECEIVE ANY INSURER FILES A STATEMENT OF CLAIM OR AN APPLICATION CONTAINING ANY FALSE, INCOMPLETE, OR MISLEADING INFORMATION IS GUILTY OF A FELONY OF THE THIRD DEGREE. AGENT'S PRINTED NAME: __________________________________________________ AGENT'S FLORIDA LICENSE ID #:___________________________________________ For applicants in Louisiana: --------- ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO FINES AND CONFINEMENT IN PRISON. For applicants in New Jersey: ---------- ANY PERSON WHO INCLUDES ANY FALSE OR MISLEADING INFORMATION ON AN APPLICATION FOR AN INSURANCE POLICY IS SUBJECT TO CRIMINAL AND CIVIL PENALTIES. For applicants in Tennessee: --------- IT IS A CRIME TO KNOWINGLY PROVIDE FALSE, INCOMPLETE OR MISLEADING INFORMATION TO AN INSURANCE COMPANY FOR THE PURPOSE OF DEFRAUDING THE COMPANY. PENALTIES INCLUDE IMPRISONMENT, FINES AND DENIAL OF INSURANCE BENEFITS. ============================================================================== 14. AGENT'S REPORT (Type or Print) AGENT'S NAME __________________________________________________ AGENT'S SOCIAL SECURITY NUMBER ___________________________________ AGENCY NAME AND NUMBER (If applicable) ___________________________________________________________________________________________ TELEPHONE NUMBER ( ) __________________________ FAX NUMBER ( ) ___________________ SALE LOCATION ___________________ E-MAIL ADDRESS ___________________________________________________________________________________________________________________ BRANCH ADDRESS ___________________________________________________________________________________________________________________ I hereby certify I personally solicited this application and that the application and this report are complete and accurate to the best of my knowledge and belief. If a replacement is occurring, I have provided details -- company, contract number, amount, reason -- under SECTION 7 Remarks and Special Instructions and have completed any state replacement requirements including any required state replacement forms (and I certify that only insurer approved sales materials were used and copies of all sales material were left with the customer). |----------------------------------------------------------------------| |-----------------------------------------------------| | CHECK ONE BOX BELOW | | FOR AGENT USE ONLY (check one) | | To the best of my knowledge, this application [ ] DOES [ ] DOES NOT | | [ ] Option A [ ] Option B [ ] Option C | | involve replacement of existing life insurance or annuities. | | | | | |-----------------------------------------------------| | X______________________________________________________________ | | Licensed Agent Signature | | | |----------------------------------------------------------------------|
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