American Equity EstateShield 10

All premiums paid in year one receive an immediate 35% bonus added to the value used for calculating lifetime income and death benefits

Your money is never directly invested in the market, so you're protected from index declines. Interest credited never goes below zero.

Choose from three crediting strategies tied to S&P 500, BlackRock Adaptive Index, or Dividend Aristocrats Index with annual or two-year terms

Income payments guaranteed for life starting after 10 years, with potential increases based on market performance and BAV growth

Annual income payments can increase with positive index performance through BAV multiplier; payments protected during negative years

Automatically included at no fee. Doubles single income (or increases joint by 50%) for up to 5 years if you become unable to perform 2 of 6 activities of daily living

Beneficiaries can receive 75% of BAV as lump sum or 100% as equal payments over 5 years, both including BAV bonus and enhanced interest credits

After the first contract year, withdraw up to 10% of total premiums paid annually without surrender charges

Interest credits accumulate tax-deferred until withdrawn, potentially allowing longer growth periods before tax obligations

Cash surrender value will never fall below 87.5% of premiums received (less withdrawals), accumulated at 0.50% minimum rate