American Equity Sleep Insurance
American Equity Sleep Insurance
American Equity is in the business of helping individuals preserve their retirement dollars and provide a secure predictable return they cannot out live. They sleep better at night knowing that regardless of how long they live, they can rely on this income stream. We like to call this “Sleep Insurance!” This is a considerable benefit with today’s longer life expectancies and the rise of costs throughout retirement. Other instruments can be valuable in reaching clients' financial goals, but they should keep in mind how fluctuations could impact his or her principal.

With our annuities, WE take the risk, not the policyholders!

A Sleep Insurance Example
A fundamental business principle of American Equity is to ensure the safety of our contract owner's money. American Equity has our clients in mind with everything we do. For an example of how we view our clients, listen to Ron Grensteiner.


“In 1995 I started this company knowing that an insurance product could thrive on Sleep Insurance. At American Equity we invest the dollar as if they are our own. Every employee at American Equity is an owner of our New York Stock Exchange stock.”
  • Bond Portfolio is 97% investment grade
  • No subprime mortgages
  • Strong operating income
  • Continuous annual cash dividend since 1999
“Our extremely conservative approach towards investing will not keep you up at night. We like to call it Sleep Insurance”
~D.J. Noble



The pillar of providing "Sleep Insurance" is the purposefully conservative investments which make up our portfolio. With invested assets in excess of $31 billion as of September 30, 2013, we assure this commitment by maintaining an exceptionally high quality asset portfolio. As of September 30, 2013, 97% of our invested assets were in investment grade bonds and high quality mortgage loans on commercial real estate. 

NAIC Designation Rating Agency Equivalent Percent*
1 Aaa/Aa/A 62.1%
2 Baa 34.9%
3 Ba 2.4%
4 B 0.4%
5 Caa and lower 0.1%
6 In or near default 0.1%
* The table presents our fixed maturity securities by NAIC designations and the equivalent ratings of the nationally recognized securities rating organizations.

American Equity’s bond portfolio has an average credit quality rating of A+ with 17% of the company's investments consisting of US Government or Government Agency securities. Our asset portfolio provides the income, liquidity and flexibility needed to provide superior contract owner value while meeting the challenges of a competitive and ever changing marketplace.



“Our business philosophy is simple: Through sound financial management, prudent investment and development of innovative products, we will position ourselves as one of the leaders within the insurance industry.”
~D.J. Noble



American Equity's commitment to sound business principles has been recognized by A.M. Best, a nationally recognized industry rating authority.

A.M. Best's rating of "A-" (EXCELLENT) for American Equity is a measure of performance in the areas of...
  • Investment Quality
  • Policy Reserves
  • Capital Adequacy
  • Cost Control
  • Management Experience
A.M. Best uses 15 rating categories ranging from A++ to F. Rating effective 08/02/06, affirmed 1/31/11 . An A- rating from A.M. Best is its fourth highest rating.

Standard and Poor's rating service has recognized American Equity Investment Life Insurance Company with a "BBB+" rating. Standard and Poor's considers "BBB" rated companies as having GOOD financial security characteristics.

Plus (+) or minus (-) signs following ratings from 'AA' to 'CCC' show relative standing within the major rating categories. Rating effective 07/12/02, affirmed 9/23/11 .

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American Equity Contact Information

Mailing Address
P.O. Box 71216
Des Moines, IA 50325

Office Address
6000 Westown Parkway
West Des Moines, IA 50266

Main Office Number: (515) 221-0002
Toll Free Number: (888) 221-1234
Email: info@american-equity.com

American Equity Useful Resources
  • AM Best
  • The American Council of Life Insurers
  • Indexed Annuity Insights
  • Insured Retirement Institute
  • National Association for Fixed Annuities
  • National Association of Insurance Commissioners
  • Standard & Poor’s