Growth you can count on. Legacy your loved ones deserve.
Instead of worrying about what happens to your savings when you're gone, what if your retirement plan could take care of you and those you care about?
American Equity EstateShield
Designed for retirement security and legacy planning that protects your money from market loss, these annuities offer the potential for guaranteed lifetime income and enhance the benefits your loved ones receive. With a benefits account value (BAV), enhanced death benefit options, and no-cost riders for income and wellbeing, you can help ensure your legacy lives on — securely and confidently.
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 income needs while offering principal protection and enhanced legacy planning.
American Equity EstateShield 10
Built-in features to grow your benefits account value
BAV bonus - The BAV bonus is equal to the BAV bonus percentage multiplied by the premium received, and is immediately credited to the BAV.
BAV multiplier - The BAV grows for the life of the contract by multiplying the preceding year’s increases in the contract value by a BAV multiplier of 150%. Once lifetime income payments begin, the annual income payment amount will increase by an amount equal to the current annual income payment multiplied by the BAV multiplier.
Linda’s legacy
At age 68, Linda wanted a retirement solution that protected her income and gave her children options as beneficiaries. She chose American Equity EstateShield BONUS 10 fixed index annuity.
She received a 35% bonus to her BAV at contract issue, giving her income and legacy benefits a head start.
Linda chose to begin receiving income payments at the waiting period's end, at which time they were guaranteed for life.
When she passed at age 84, her children elected to receive 100% of the BAV in equal payments over five years — significantly more than the contract value alone. Linda’s legacy gave her children the gift of flexibility and financial stability during a difficult time and for years to come.
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
Rates are set at issue and are subject to change.
Benefits Account Value is only used to calculate income payments and/or the enhanced death benefit amount. It is not part of the underlying Contract Value and is not available for partial withdrawal or in a lump sum.
Annuity contract and riders issued under form series ICC20 MSP-10, ICC21 BASE-IDX-MSP, ICC21 R-LIBR-W-BAV, ICC20 E-PTP-C, ICC20 E-PTP-PR, ICC20 E-MPTP-C, ICC20 R-EBR, ICC16 R-MVA and state variations thereof. Availability may vary by state. For complete details please see product specific sales brochure(s) and disclosure(s)
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.
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.
For withdrawals, in excess of 10% annually, the contract value is subject to a charge based on the withdrawal and surrender charge schedule. Once the withdrawal and surrender charge period expires, no charges are applied.
Requires annual certification by a qualified physician. See disclosure and sales brochure for additional details.