Retirement starts with trust

Our reputation for personal, responsive service is one of the reasons we’ve earned recognition as one of Newsweek’s Most Trustworthy Companies three years in a row. 

Get to know us

Get to know us

What are annuities?

What are annuities?

Contact us

Contact us

Access account online

Access account online

Our annuities

American Equity annuities are built on a foundation of financial strength and reliability. With a track record of consistent performance, sound strategies, and strong financial ratings, we offer solutions to protect your future and help you retire with confidence.

Fixed index annuities (FIA)

FIAs offer a balance of opportunity and market downside protection that can provide guaranteed income, tax-deferred growth, and long-term financial confidence.

Diversification

Allocating a portion of a portfolio to FIAs can protect from market downturns and help maximize growth.

Tax deferral

Three levels of compounding interest allow your money to work harder for you.

Income planning

Guarantee income for life for greater financial confidence and protection throughout retirement.

Our ratings show our financial strength

When choosing American Equity, you’re placing trust in a company recognized for our commitment to sound business principles and financial strength.

A

AM Best

Rating: Excellent (1)
As of 11/2024

A

S&P Global

Rating: Very strong (2)
As of 05/2024

A

FitchRatings

Rating: Outlook stable (3)
As of 07/2025

We’re committed to community

We’re committed to community

We live our purpose beyond the balance sheet — our promise of people-first service extends to the communities where we live and work. From supporting local nonprofits to volunteering hundreds of hours each year, we’re committed to supporting those who face challenges with basic needs. We believe that collectively we can lift each other up.

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1A.M. Best has assigned American Equity an “A” (Excellent) rating, reflecting their current opinion of American Equity’s financial strength and its ability to meet its ongoing contractual obligations relative to the norms of the life/health insurance industry. A.M. Best utilizes 15 rating categories ranging from A++ to F. An “A” rating from A.M. Best is its third highest rating. For the latest rating, access ambest.com. Rating effective 11/27/2024.

2Standard and Poor’s rating service has recognized American Equity Investment Life Insurance Company with an “A” rating. An insurer rated “A” has strong financial security characteristics, but is somewhat more likely to be affected by adverse effects of changing circumstances or economic conditions than are insurers with higher ratings. Ratings from ‘AA’ to ‘CCC’ may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories. Rating effective 5/6/2024.

3Fitch Ratings assigned American Equity Investment Life Insurance Company an Insurer Financial Strength rating of “A”. Fitch Ratings utilizes 19 rating categories ranging from “AAA” to “C.” An “A” rating is the sixth highest rating. An insurer with an “A” rating is considered to have a strong capacity for payment of financial commitments, but may be more vulnerable to adverse business or economic conditions than insurers with higher ratings. Outlooks indicate the direction a rating is likely to move over a one- to two-year period if current financial or other trends continue. For more information, please visit fitchratings.com. Rating effective 7/18/2025.