American Equity AssetShield 9
American Equity Investment Life Insurance Company
35%
Best Cap
10%
Free W/D
A 9-year fixed index annuity that protects your principal from market losses while providing growth potential linked to market indexes. Designed for long-term retirement accumulation with flexible access options.
Free Withdrawal
10%/yr
Available In
1 states
Min Premium
$5,000
Surrender
9 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 | -- | 180% | -- |
| S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return | Annual | -- | 100% | -- |
| 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% protection from market lossesYour money is never directly invested in the market, protecting principal and interest from declines
Index Options
7 index choices plus fixed rateChoose from 7 diversified indexes including S&P 500, BlackRock Adaptive, and multi-asset options
Performance Rate Rider
Available for additional feeOptional rider that increases participation rates for higher potential returns
Free Withdrawals
10% annual after year 1Access up to 10% of contract value annually without penalty after first year
Minimum Guarantee
91% of premium guaranteeContract value never falls below 91% of premiums paid
Issue Ages
Ages 18-80Available for purchase by individuals
Surrender Period
9 years (8% to 0%)Charges decrease over time with full access after 9 years
Highlights
Principal protection from market declines while capturing upside potential through index-linked growth
Choice of 7 diversified index options plus fixed rate strategies for customized growth approaches
Optional Performance Rate Rider to boost participation rates for potentially higher returns
10% annual free withdrawals after first year with competitive 9-year surrender schedule
91% minimum guaranteed surrender value protects your investment floor
Surrender Schedule
Yr 1
8.3%
Yr 2
8.25%
Yr 3
7.25%
Yr 4
6.25%
Yr 5
5.2%
Yr 6
4.2%
Yr 7
3.15%
Yr 8
2.1%
Yr 9
1%
After
0%
Bail out provisions, Nursing home waiver, Terminal illness waiver
Best For
Conservative investors seeking principal protection with growth potential for long-term retirement accumulation.
Consider Alternatives If
Those needing immediate income or frequent access to funds may find the surrender charges restrictive.
Carrier Ratings
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