American Equity AssetShield Bonus 5 - Option 1
American Equity Investment Life Insurance Company
9%
Best Cap
10%
Free W/D
50
States
A fixed index annuity that protects your principal from market downturns while offering growth potential tied to market index performance, plus an immediate premium bonus.
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 | -- | 120% | -- |
| BNP Paribas Patriot Technology Index | Annual | -- | 165% | -- |
| 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 | -- | 160% | -- |
| S&P 500 Index | Annual | 9% | 100% | -- |
| S&P 500 Index | Monthly | 3.7% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.55% |
Key Features
Premium Bonus Options
3%, 5%, or 7%Immediate boost to your contract value
Market Protection
100% protectionPrincipal and interest credits protected from market declines
Free Withdrawals
Up to 10% annuallyAnnual penalty-free access to your money starting year two
Surrender Charge Period
5 yearsEarly withdrawal penalties decrease over time
Issue Ages
Ages 18-80Available for purchase
Index Options
7 different indexesMultiple index strategies to choose from
Highlights
Choose from three premium bonus levels (3%, 5%, or 7%) that immediately boost your contract value on day one
Your money is protected from market losses while still having potential to grow based on index performance
Access up to 10% of your contract value each year penalty-free starting in year two
Surrender Schedule
Yr 1
9.1%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Pre-retirees and retirees who want principal protection with growth potential and don't need immediate access to all their money.
Consider Alternatives If
People who need immediate liquidity or want direct market participation with potential for losses.
Carrier Ratings
Free Comparison Report
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