American Equity IncomeShield Bonus 10
American Equity Investment Life Insurance Company
11%
Best Cap
10%
Free W/D
49
States
A fixed index annuity that protects your principal from market losses while providing growth potential and guaranteed lifetime income. Designed for retirees who want market upside without downside risk.
Free Withdrawal
10%/yr
Available In
49 states
Min Premium
$5,000
Surrender
10 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% | -- |
| Nasdaq Premier Index | 2-Year | 11% | 100% | -- |
| Nasdaq Premier Index | Annual | 4.5% | 100% | -- |
| NYSE Premier Index | 2-Year | 11% | 100% | -- |
| NYSE Premier Index | Annual | 4.5% | 100% | -- |
| S&P 500 Advantage 15% VT TCA Index (USD) ER | 2-Year | 9% | 100% | -- |
| S&P 500 Advantage 15% VT TCA Index (USD) ER | Annual | 3.75% | 100% | -- |
| 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%Upfront bonus applied to first-year premium payments
Principal Protection
100% protectionYour money is never at risk from market downturns
Income Account Value Growth
10% for 10 years or 6.5% for 20 yearsChoose between higher rate for shorter term or lower rate for longer term
Free Withdrawals
Up to 10%Annual penalty-free access to your money
Wellbeing Benefit
Double income for single, 50% increase for jointEnhanced income if unable to perform daily living activities
Highlights
14% premium bonus applied to all first-year payments to jumpstart your retirement savings
Principal protected from market downturns while earning interest based on index performance
Guaranteed lifetime income with two options: 10% growth for 10 years or 6.5% growth for 20 years
Wellbeing Benefit doubles your income for up to 5 years if you can't perform daily living activities
Free annual withdrawals up to 10% of contract value without surrender charges
Surrender Schedule
Yr 1
9.1%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Retirees aged 40-80 who want principal protection from market volatility while maintaining growth potential and securing guaranteed lifetime income.
Consider Alternatives If
Investors seeking maximum growth potential who are comfortable with market risk should consider other investment options.
Carrier Ratings
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