American Equity AssetShield 7
American Equity Investment Life Insurance Company
10%
Best Cap
10%
Free W/D
50
States
A 7-year fixed index annuity that protects your retirement savings from market losses while offering growth potential tied to stock market indexes. Ideal for conservative investors who want upside potential without downside risk.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$5,000
Surrender
7 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| BlackRock Adaptive US Equity 7% Index | Annual | -- | 105% | -- |
| BNP Paribas Patriot Technology Index | Annual | -- | 140% | -- |
| Nasdaq Premier Index | Annual | 10% | 100% | -- |
| NYSE Premier Index | Annual | 10% | 100% | -- |
| S&P 500 Advantage 15% VT TCA Index (USD) ER | Annual | 10% | 100% | -- |
| S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return | Annual | -- | 175% | -- |
| S&P 500 Index | Annual | 11.25% | 100% | -- |
| S&P 500 Index | Monthly | 2.9% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.8% |
Key Features
Principal Protection
100% protection from market declinesYour money is never directly invested in the market, so it's protected from losses
Free Withdrawals
Up to 10% annually after year 1Take out money when needed without penalty
Index Options
7 different index options plus fixed rateChoose from multiple market indexes for growth potential
Surrender Charges
9.2% year 1, decreasing to 0% by year 8Early withdrawal penalties that decrease over time
Issue Ages
18-85 years oldAge range for purchasing this annuity
Enhanced Benefit Rider
Included at no cost for owners 75 and underAutomatic coverage for nursing care and terminal illness
Highlights
Your principal and any interest earned are protected from market downturns - you never lose money due to market declines
Choose from 7 different market indexes plus fixed rate options to potentially grow your money
Withdraw up to 10% annually without penalty charges after the first year
Optional Performance Rate Rider lets you boost potential returns for a fee
Automatically includes enhanced benefits for nursing care and terminal illness at no extra cost
Surrender Schedule
Yr 1
9.2%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
4%
Yr 7
2%
After
0%
Bail out provisions, Nursing home waiver, Terminal illness waiver
Best For
Conservative investors nearing or in retirement who want to protect their principal while still having growth potential.
Consider Alternatives If
Investors who need immediate access to large amounts of their money or want direct market exposure.
Carrier Ratings
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