American Equity AssetShield 10
American Equity Investment Life Insurance Company
35%
Best Cap
10%
Free W/D
49
States
A 10-year fixed index annuity that protects your principal from market downturns while providing growth potential through various index-linked strategies. Ideal for conservative investors seeking protected accumulation for retirement.
Free Withdrawal
10%/yr
Available In
49 states
Min Premium
$5,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| BlackRock Adaptive US Equity 7% Index | 2-Year | -- | 210% | -- |
| BlackRock Adaptive US Equity 7% Index | Annual | -- | 170% | -- |
| BNP Paribas Patriot Technology Index | 2-Year | -- | 190% | -- |
| BNP Paribas Patriot Technology Index | Annual | -- | 140% | -- |
| Nasdaq Premier Index | 2-Year | 35% | 100% | -- |
| Nasdaq Premier Index | Annual | 11% | 100% | -- |
| NYSE Premier Index | 2-Year | 35% | 100% | -- |
| NYSE Premier Index | Annual | 11% | 100% | -- |
| S&P 500 Advantage 15% VT TCA Index (USD) ER | 2-Year | 35% | 100% | -- |
| S&P 500 Advantage 15% VT TCA Index (USD) ER | Annual | 11% | 100% | -- |
| S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return | 2-Year | -- | 300% | -- |
| S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return | Annual | -- | 185% | -- |
| S&P 500 Index | Annual | 11.75% | 100% | -- |
| S&P 500 Index | Monthly | 3.2% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.8% |
Key Features
Principal Protection
100% protectionMoney is never directly invested in the market, protecting principal and credited interest from declines
Free Withdrawals
10% annuallyAccess up to 10% of contract value annually without charges after first year
Index Options
7 index optionsChoose from 7 different index strategies including S&P 500, BlackRock Adaptive, and Nasdaq Premier
Surrender Period
10 years10-year surrender charge period with declining charges over time
Issue Ages
Ages 18-80Available for purchase by individuals aged 18-80
Enhanced Benefits
No additional feeAutomatically includes qualified nursing care and terminal illness benefits for owners 75 and under
Highlights
Principal protection from market losses while still capturing upside growth potential through index-linked strategies
Multiple diversified index options including BlackRock Adaptive, S&P 500, and Nasdaq Premier for growth opportunities
Optional Performance Rate Rider to boost participation rates for potentially higher returns
10% annual free withdrawals after the first year with no charges
Enhanced benefits automatically included for owners 75 and under, covering nursing care and terminal illness
Surrender Schedule
Yr 1
12%
Yr 2
12%
Yr 3
11%
Yr 4
10%
Yr 5
9%
Yr 6
8%
Yr 7
7%
Yr 8
5%
Yr 9
4%
Yr 10
2%
After
0%
Bail out provisions, Nursing home waiver, Terminal illness waiver
Best For
Conservative investors seeking principal protection with growth potential who can commit funds for 10 years and want access to annual withdrawals.
Consider Alternatives If
Investors who need immediate liquidity or want direct market exposure should consider other options.
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