American Equity AssetShield Bonus 10
American Equity Investment Life Insurance Company
14%
Best Cap
10%
Free W/D
49
States
A fixed index annuity that protects your retirement savings from market losses while providing growth potential tied to market indexes, starting with an upfront premium bonus.
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 | -- | 185% | -- |
| BlackRock Adaptive US Equity 7% Index | Annual | -- | 135% | -- |
| BNP Paribas Patriot Technology Index | 2-Year | -- | 160% | -- |
| BNP Paribas Patriot Technology Index | Annual | -- | 125% | -- |
| Nasdaq Premier Index | 2-Year | 14% | 100% | -- |
| Nasdaq Premier Index | Annual | 5.5% | 100% | -- |
| NYSE Premier Index | 2-Year | 14% | 100% | -- |
| NYSE Premier Index | Annual | 5.5% | 100% | -- |
| S&P 500 Advantage 15% VT TCA Index (USD) ER | 2-Year | 14% | 100% | -- |
| S&P 500 Advantage 15% VT TCA Index (USD) ER | Annual | 5.5% | 100% | -- |
| S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return | 2-Year | -- | 260% | -- |
| S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return | Annual | -- | 85% | -- |
| S&P 500 Index | Annual | 6.75% | 100% | -- |
| S&P 500 Index | Monthly | 2.5% | 100% | -- |
| Fixed Account | Daily | -- | -- | 1.9% |
Key Features
Premium Bonus
14% standard or 21% with EBLRImmediate boost to your contract value
Market Protection
Your principal and earned interest are never reduced by market declines
Free Withdrawals
10% annually (12% with EBLR)Access your money without penalties
Index Options
7 index options availableChoose from multiple market indexes for growth potential
Surrender Charges
9.1% year 1, declining to 0% year 11Decreasing charges over 10 years
Highlights
Get a 14% bonus on your first-year premium, or upgrade to 21% with the Enhanced Bonus & Liquidity Rider
Your money is protected from market losses while still earning growth based on market index performance
Withdraw up to 10% annually without penalties (12% with EBLR), plus 2% in year one with EBLR
Surrender Schedule
Yr 1
9.1%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Bail out provisions, Nursing home waiver, Terminal illness waiver
Best For
Retirement savers who want market growth potential with downside protection and immediate bonus enhancement to their savings.
Consider Alternatives If
Investors who need frequent access to their funds or want direct market participation without caps on returns.
Carrier Ratings
Free Comparison Report
Get a personalized American Equity AssetShield Bonus 10 illustration
See year-by-year projections for your specific age, premium, and income goals.