Stable. Predictable. Guaranteed.
Instead of riding the market’s ups and downs, what if your retirement savings could just grow steadily while protecting your principal?
American Equity GuaranteeShield
Get guaranteed interest rates, tax-deferred growth, and principal protection with our 3- and 5-year single premium deferred fixed annuities. Designed for simplicity and security, these products help you grow your retirement assets without market risk, making them a choice for those seeking low-maintenance, low-volatility solutions.
Talk with your financial professional to understand if annuities are right for your retirement planning strategy.
American Equity GuaranteeShield
Guaranteed growth without market risk
Get fixed interest rates for 3- and 5-year terms, giving you dependable growth without the ups and downs of the market. Whether you’re planning for an upcoming retirement need or just looking for short-term certainty, this fixed annuity provides a secure way to grow your money with zero market risk — your rate is locked in from day one, allowing you to plan with confidence.
Sam’s story
At 58 and with retirement getting closer, Sam had built a solid savings foundation but was looking for a way to protect a portion of it from market swings. He wanted peace of mind, a predictable rate of return, and the ability to access funds if needed.
Sam chose American Equity GuaranteeShield 5 to protect his principal from market volatility while his interest compounded tax-deferred, boosting overall growth. The annuity also allowed a penalty-free withdrawal of up to 10% annually starting in year two, and ensured his beneficiaries would receive the full contract value if something happened to him.
Sam withdrew 5% of the contract value without penalty to cover an unexpected medical bill.
The annuity continued growing steadily, without stress or guesswork.
Confident in the predictable growth of his savings, Sam renewed the contract for another term.
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 contract and riders issued under form series ICC20 BASE-SPDA, ICC20 SPDA-3, ICC20 SPDA-5, ICC20 R-EBR and state variations thereof. Availability may vary by state.
Features and benefits may vary by product and state. Please review the contract or product disclosure for more information. 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 consider 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.