Rest Easier with American Equity Annuities
Predictable income you can count on.
“Our business philosophy is simple: Through sound financial management and prudent investment and development of innovative products, we will position ourselves as one of the leaders within the insurance industry.”
– David Noble, American Equity Founder and Executive Chairman
American Equity is in the business of helping individuals preserve their retirement dollars and provide a secure, predictable income they cannot outlive. Our contract owners can sleep better at night knowing that regardless of how long they live, they can rely on a steady and guaranteed income stream. American Equity likes to call this “Sleep Insurance®.” Other instruments can be valuable in reaching clients’ financial goals, but they should keep in mind how fluctuations can impact longterm income. Retirement education is the key to your lifelong success and security, and American Equity has a trusted history in providing opportunities to empower retirement planning.
American Equity President, Ron Grensteiner, explains a fundamental business principle to ensure the safety of our contract owners’ money. American Equity has our clients in mind in everything we do.
• Bond Portfolio is 96.6% investment grade (12/31/16)
• No subprime mortgages
• Strong operating income
• Continuous annual cash dividend since 1999
The pillar of providing Sleep Insurance® is the purposefully conservative investments which make up our portfolio. With invested assets on a statutory basis in excess of $48 billion* as of December 31, 2016, we assure this commitment by maintaining an exceptionally high quality asset portfolio. As of December 31, 2016, 96.6% of our fixed maturity securities were in investment grade bonds.
||Rating Agency Equivalent
||Caa and lower
||In or near default
* 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. 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.
* Liabilities as of 12/31/16 are $45 Billion
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 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 fourth highest rating. For the latest rating, access www.ambest.com. Rating effective 8/2/2006, affirmed 4/14/2016.
Standard and Poor’s has a history that dates back more than 150 years and is known to investors worldwide as a leader of financial-market intelligence. Today, Standard and Poor’s provides investors with market information like credit ratings, indices, investment research and risk evaluations and solutions.
Standard 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 business 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 8/5/15.
Guarantees are based on the financial strength and claims paying ability of American Equity and are not guaranteed by any bank or insured by the FDIC.