American Equity GuaranteeShield
American Equity Investment Life Insurance Company
10%
Free W/D
50
States
A fixed annuity that protects your principal while providing guaranteed growth and flexible access to your money. Designed for retirees who want safety and predictable returns without market risk.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$10,000
Surrender
5 years
Key Features
Principal Protection
100% guaranteedYour initial investment is guaranteed and protected from market losses
Free Withdrawals
10% annually after year 1Take up to 10% of your contract value each year without penalty
Guaranteed Interest
1% minimumMinimum guaranteed interest rate regardless of market conditions
Enhanced Benefits
100% withdrawal availableAccess up to 100% of contract value for nursing care or terminal illness
Tax Deferral
Growth is tax-deferred until you make withdrawals
Highlights
Guaranteed principal protection - your money is safe from market downturns
10% free withdrawals annually after the first year with no penalties
Enhanced benefits for nursing care and terminal illness situations
Tax-deferred growth with guaranteed minimum 1% interest rate
Surrender Schedule
Yr 1
9%
Yr 2
8.25%
Yr 3
7.25%
Yr 4
6.25%
Yr 5
5.2%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Retirees and pre-retirees who want principal protection and guaranteed growth without market risk.
Consider Alternatives If
Investors seeking higher growth potential who are comfortable with market risk should consider other options.
Carrier Ratings
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