American Equity AssetShield 5
American Equity Investment Life Insurance Company
9%
Best Cap
10%
Free W/D
50
States
A 5-year fixed index annuity that protects your principal from market losses while providing growth potential tied to stock market indexes. Ideal for retirement savers who want market upside without downside risk.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$5,000
Surrender
5 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| BlackRock Adaptive US Equity 7% Index | Annual | -- | 105% | -- |
| BNP Paribas Patriot Technology Index | Annual | -- | 135% | -- |
| Nasdaq Premier Index | Annual | 9% | 100% | -- |
| NYSE Premier Index | Annual | 9% | 100% | -- |
| S&P 500 Advantage 15% VT TCA Index (USD) ER | Annual | 9% | 100% | -- |
| S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return | Annual | -- | 170% | -- |
| S&P 500 Index | Annual | 10.75% | 100% | -- |
| S&P 500 Index | Monthly | 2.7% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.55% |
Key Features
Surrender Period
5 yearsPeriod with early withdrawal penalties
Principal Protection
100% guaranteedYour initial investment is protected from market declines
Free Withdrawals
Up to 10% after year 1Penalty-free withdrawals allowed annually
Index Options
7 different indexesMultiple market indexes to choose from for growth potential
Issue Ages
18-85Age range eligible to purchase this annuity
Minimum Premium
87.5% of premiumMinimum guaranteed surrender value
Highlights
Your principal is protected from market declines while still earning interest based on market index performance
Choose from 7 different index options including S&P 500, Nasdaq, and multi-asset strategies
Withdraw up to 10% annually without surrender charges after the first year
Optional Performance Rate Rider lets you boost participation rates for higher growth potential
Enhanced benefits automatically included for owners 75 and under, covering nursing care and terminal illness
Surrender Schedule
Yr 1
9.2%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
After
0%
Bail out provisions, Nursing home waiver, Terminal illness waiver
Best For
Conservative retirement savers who want market growth potential with guaranteed principal protection and some liquidity access.
Consider Alternatives If
People who need immediate access to their full investment or those comfortable with direct market risk for potentially higher returns.
Carrier Ratings
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