Protect your assets. Capture growth. Stay flexible.
Instead of wondering when the market will bounce back, what if your retirement didn’t have to wait on it?
American Equity AssetShield
Designed to protect your retirement savings from market downturns, these annuities offer index-linked growth potential and a guaranteed bonus on all first-year premiums that boosts your contract value and continues to provide built-in portfolio growth potential. Participation in market upside (without the downside) and a variety of crediting strategies can help provide powerful protected accumulation and financial confidence.
Talk with your financial professional to understand if annuities are right for your retirement planning strategy.
Choose the annuity that suits your needs
Select the option that meets your retirement accumulation needs while offering guaranteed principal protection.
American Equity AssetShield BONUS 10
Jump start retirement savings with premium bonuses
Get a bonus on all first-year premiums that increases the contract value by 16% of the premium paid. After the first contract year, an increasing percentage of the bonus vests according to the premium bonus vesting schedule. Bonuses on first-year premium payments vest over a 10-year period. Beginning year two, 10% of the bonus becomes guaranteed annually until 100% vested at the end of the tenth contract year.
For a fee, you can also increase this bonus with the optional Enhanced Bonus & Liquidity Rider (EBLR), which replaces the 16% bonus with a 23% bonus.
John’s story
After retiring at age 62, John wanted to move a portion of his savings into something more stable without giving up all growth potential. He chose American Equity AssetShield BONUS 10 fixed index annuity.
John received a 16% premium bonus on day one which began vesting immediately, instantly boosting his contract value and laying a solid foundation for long-term accumulation.
As he turned 65, the annuity had tracked several years of market performance through a top-performing BlackRock index. Thanks to 100% participation, his contract captured those gains without direct exposure to market volatility.
When the market dipped, John’s contract value held steady. The annuity’s built-in protection meant none of the interest he’d earned over the years was lost.
Over the following years, as the market rebounded, his annuity captured those gains — without needing to recoup past losses. Today, John’s retirement strategy is as stable as it is smart.
Ready to add an annuity to your retirement strategy?
Understand what you’ll need
See the benefits and risks of annuities. Read our suggested articles below.
Talk to a financial professional
Contact a financial professional to get personalized guidance, and choose a strategy tailored to your goals.
Purchase your annuity
Lock in your annuity contract, select the features that fit your needs, and set your retirement strategy in motion.
Watch your money work
Earn interest and tax-deferred growth as you build value, income, and confidence for your retirement years.
Explore insights & information
Annuity Contracts and riders issued under form series ICC22 BASE-IDX, ICC22 BASE-IDX-B, ICC22 IDX-11-10, ICC22 IDX-10-10, ICC22 IDX-10-7, ICC22 IDX-10-5, ICC20 E-PTP-C, ICC20 E-PTP-PR, ICC20 E-MPTP-C, ICC16 R-MVA, ICC24 E-BPT, ICC20 R-ERR, 21 R-ERR, ICC25 R-EBL, ICC20 R-EBR, and state variations thereof. Availability may vary by state.
Bonus available on 1st year premiums. Each year after the 1st contract year, you become vested in a percentage of the bonus, until 100% vested at the end of the 10th contract year. Vested amounts of the bonus are the amounts not forfeited as a result of an early withdrawal or surrender. Bonus, surrender charges, and vesting schedules may vary by state. See brochure and disclosure for details. Surrender charges may be higher in contracts with a premium bonus than in contracts without a premium bonus and may exceed premium bonus. Caps and participation rates may also be lower in contracts with a premium bonus.
Withdrawal charges may apply to an annuity. Interest earnings in an annuity are not taxed until withdrawn. Annuity withdrawals and distributions may be subject to income tax and, if withdrawals or distributions are taken prior to age 59½, a 10% federal penalty tax may apply.
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.
This material is for informational purposes only, and is not a recommendation to buy, sell, hold or rollover any asset. It does not take into account the specific financial circumstances, investment objectives, risk tolerance, or need of any specific person. In providing this information American Equity Investment Life Insurance Company is not acting as your fiduciary as defined by the Department of Labor. American Equity does not offer legal, investment or tax advice or make recommendations regarding insurance or investment products. Please consult a qualified professional.
Market Value Adjustment (MVA) applies to partial withdrawals that exceed the free withdrawal amount allowed and surrenders occurring during the surrender charge period.
Possible interest credits for money allocated to an index-linked crediting strategy are based upon performance of the specific index; however, fixed index annuities are not an investment, but an insurance product, and do not directly invest in the stock market or the index itself.
This is not a comprehensive overview of all the relevant features and benefits of the AssetShield Series fixed index annuity products. Please read the sales brochure and disclosure for complete details and limitations.