Financial Ratings
About American Equity Investment Life Insurance Company
American Equity Investment Life Insurance Company is a U.S.-based insurance provider headquartered in West Des Moines, Iowa. Founded in 1995, the company has grown to become a significant player in the fixed and indexed annuities market. American Equity specializes in developing, marketing, and administering annuity and life insurance products through its subsidiaries.
The company operates in all 50 states and the District of Columbia, serving over half a million clients nationwide. American Equity's product lineup primarily focuses on fixed index and fixed rate annuities, which are designed to help individuals preserve their retirement savings and secure a predictable income stream.
Product Lineup
American Equity AssetShield 10
Fixed Indexed AnnuityProtected growth with 10% free withdrawals and multiple index options
Best for: Conservative investors seeking principal protection with growth potential who ca...
Details →American Equity AssetShield 5
Fixed Indexed Annuity5-year fixed index annuity with principal protection and market growth potential
Best for: Conservative retirement savers who want market growth potential with guaranteed ...
Details →American Equity AssetShield 7
Fixed Indexed Annuity7-year protection with market upside potential and 10% annual withdrawals
Best for: Conservative investors nearing or in retirement who want to protect their princi...
Details →American Equity AssetShield 9
Fixed Indexed AnnuityPrincipal protection + market upside potential over 9 years
Best for: Conservative investors seeking principal protection with growth potential for lo...
Details →American Equity AssetShield 9
Fixed Indexed AnnuityPrincipal protection with market upside potential over 9 years
Best for: Retirement savers who want principal protection from market volatility while mai...
Details →American Equity AssetShield Bonus 10
Fixed Indexed AnnuityFixed index annuity with 14% premium bonus and market downside protection
Best for: Retirement savers who want market growth potential with downside protection and ...
Details →American Equity AssetShield Bonus 5 - Option 1
Fixed Indexed AnnuityFixed index annuity with premium bonus and downside protection
Best for: Pre-retirees and retirees who want principal protection with growth potential an...
Details →American Equity AssetShield Bonus 5 - Option 3
Fixed Indexed AnnuityFixed index annuity with 3%, 5%, or 7% premium bonus and market protection
Best for: Conservative investors seeking market growth potential with downside protection ...
Details →American Equity AssetShield Bonus 9
Fixed Indexed AnnuityPrincipal protection + 14% bonus + growth potential from market indexes
Best for: Pre-retirees and retirees seeking principal protection with growth potential and...
Details →American Equity EstateShield 10
Fixed Indexed AnnuityProtected growth + guaranteed lifetime income for retirement security
Best for: Retirees or near-retirees who want growth potential linked to market indices wit...
Details →American Equity EstateShield 9
Fixed Indexed AnnuityProtected Growth + Lifetime Income + Legacy Benefits
Best for: Retirees age 50+ seeking to balance growth opportunities with principal protecti...
Details →American Equity GuaranteeShield
AnnuityPrincipal protection with guaranteed growth and 10% annual withdrawals
Best for: Retirees and pre-retirees who want principal protection and guaranteed growth wi...
Details →American Equity IncomeShield 10
Fixed Indexed AnnuityPrincipal protection + 10% income growth + lifetime payments guaranteed
Best for: Pre-retirees and retirees who want principal protection with guaranteed lifetime...
Details →American Equity IncomeShield 7
Fixed Indexed AnnuityPrincipal protection + growth potential + guaranteed lifetime income
Best for: Pre-retirees and retirees aged 40-80 who want to protect their principal from ma...
Details →American Equity IncomeShield 9
Fixed Indexed AnnuityFixed index annuity with 14% bonus + guaranteed lifetime income protection
Best for: Pre-retirees and retirees who want to protect a portion of their portfolio from ...
Details →American Equity IncomeShield Bonus 10
Fixed Indexed AnnuityFixed index annuity with 14% bonus and guaranteed lifetime income
Best for: Retirees aged 40-80 who want principal protection from market volatility while m...
Details →Financial Ratings
Live from CANNEXRating Agency
A.M. Best
Rating
A
Description
Excellent
Effective
December 3, 2024
Rating Agency
Fitch
Rating
A
Description
Strong
Effective
August 28, 2025
Rating Agency
Standard & Poor's
Rating
A
Description
Strong
Effective
May 7, 2024
Rating Analysis
American Equity Investment Life Holding Company's primary life insurance subsidiaries have been affirmed with an 'A-' rating by Fitch and 'A- (Excellent)' by A.M. Best, both indicating a stable outlook and a strong capacity to meet policyholder and contractual obligations.
American Equity Investment Life Insurance Company Products
Fixed Indexed Annuities
Explore American Equity Investment Life Insurance Company fixed indexed annuity products with current rates and features.
View Products→Multi-Year Guaranteed Annuities
Compare American Equity Investment Life Insurance Company MYGA products with guaranteed rates and terms.
View Products→Immediate Annuities (SPIA)
View American Equity Investment Life Insurance Company single premium immediate annuity options.
View Products→Deferred Income Annuities (DIA)
Explore American Equity Investment Life Insurance Company deferred income and QLAC products.
View Products→Free Comparison Report
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