American Equity AssetShield Bonus 5 - Option 3
American Equity Investment Life Insurance Company
9%
Best Cap
10%
Free W/D
50
States
A fixed index annuity that protects your retirement savings from market losses while offering growth potential tied to market indexes, plus a choice of premium bonuses to jumpstart your accumulation.
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%Choose 3%, 5%, or 7% bonus on first-year premiums
Market Protection
100% protectionPrincipal and interest credits protected from market declines
Free Withdrawals
Up to 10% annuallyAccess funds without penalty starting year two
Surrender Charge Period
5 years (9.1% to 0%)Declining charges over time with bonus vesting
Enhanced Benefit Rider
Included at no costFree 100% withdrawal for care facility confinement or terminal illness
Issue Ages
Ages 18-80Available for purchase
Highlights
Choose from 3%, 5%, or 7% premium bonus options that boost your initial investment and vest over 5 years
Principal and earned interest are protected from market losses while still participating in market gains
Access up to 10% of your contract value annually without penalties starting in year two
Multiple index strategies available including S&P 500, Nasdaq, and specialized risk-controlled options
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
Conservative investors seeking market growth potential with downside protection and flexible access to their money.
Consider Alternatives If
Investors who need immediate full access to their funds or prefer direct market investment exposure.
Carrier Ratings
Free Comparison Report
Get a personalized American Equity AssetShield Bonus 5 - Option 3 illustration
See year-by-year projections for your specific age, premium, and income goals.