American Equity IncomeShield 9
American Equity Investment Life Insurance Company
7.5%
Best Cap
10%
Free W/D
A fixed index annuity that protects your principal from market loss while providing growth potential and guaranteed lifetime income options. Designed for pre-retirees and retirees who want market upside without the downside risk.
Free Withdrawal
10%/yr
Available In
1 states
Min Premium
$5,000
Surrender
9 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| BlackRock Adaptive US Equity 5% Index | 2-Year | -- | 145% | -- |
| BlackRock Adaptive US Equity 5% Index | Annual | -- | 95% | -- |
| S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return | 2-Year | -- | 125% | -- |
| S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return | Annual | 7.5% | 100% | -- |
| S&P 500 Index | 2-Year | 7% | 100% | -- |
| S&P 500 Index | Annual | 3.25% | 100% | -- |
| S&P 500 Index | Monthly | 1.3% | 100% | -- |
| Fixed Account | Daily | -- | -- | 2% |
Key Features
Premium Bonus
14% on first-year premiumsImmediate boost to your investment
Principal Protection
0% floor on returnsYour money is protected from market losses
Surrender Charge Period
9 years, starting at 7%Early withdrawal penalties decrease over time
Free Withdrawals
10% annually after first yearAccess to your money without penalties
Minimum Guaranteed Rate
0.50%Your money will always earn at least this rate
Index Options
S&P 500, BlackRock Adaptive, Dividend AristocratsChoose from multiple market-linked strategies
Highlights
14% premium bonus on all first-year payments to jumpstart retirement savings
Guaranteed lifetime income that can't be outlived, even if account value reaches zero
Principal protection from market downturns while still offering growth potential through index strategies
Optional Wellbeing Benefit that doubles income payments if unable to perform daily living activities
Multiple index options including S&P 500 and BlackRock Adaptive strategies with locked-in gains
Surrender Schedule
Yr 1
7.35%
Yr 2
7.35%
Yr 3
7.25%
Yr 4
6.2%
Yr 5
5.1%
Yr 6
3.95%
Yr 7
2.75%
Yr 8
1.55%
Yr 9
0.8%
After
0%
Best For
Pre-retirees and retirees who want to protect a portion of their portfolio from market risk while maintaining growth potential and securing guaranteed lifetime income.
Consider Alternatives If
Investors who need immediate liquidity or want direct market exposure should consider other options due to surrender charges and principal protection features.
Carrier Ratings
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