American Equity Investment Life Insurance Company

The One Who Works for You!®

American Equity is a top-tier retirement income provider specializing in fixed index annuities. Our products are designed to protect principal and guarantee income. We are an American-owned and operated company headquartered in the heart of the Midwest, where we help fund more than half a million retirements across the country.

Our commitment to product integrity and excellent customer service helped establish us as a leading issuer of fixed index annuities. “The One Who Works for You®” serves as more than a company tagline, it is our business philosophy. We were founded on a people-first culture, where excellent service is paramount and you can expect personal, courteous and timely solutions from our team.

Our Golden Rule Approach

We are guided by principles of excellence, and we do more than sell annuity products—we are dedicated to fostering opportunity and innovation to help meet the ever-changing needs and goals of retirement.

We appreciate that every interaction with our contract owners and distributors is an opportunity to help make their life a little easier. We understand the importance of being there for someone when its needed, and value the respect of treating people the way they expect to be treated. In short, we aim to do the right thing, because it is the right thing to do. This Golden Rule approach helps guide everything we do:

  • A promise of superior customer service
  • Our conservative investment approach
  • Establishing and maintaining long-term relationships
  • Putting your individual needs first
  • Protecting your premium from index fluctuations

The Sleep Insurance® Promise

American Equity’s annuities are designed to help you plan for a happy retirement. We help our contract owners protect and preserve their assets for a financially sound future. Our contract owners can sleep at night knowing their retirement dollars are preserved and that their long-term income is secure. Here at American Equity, we like to call this “Sleep Insurance®.”

 American Equity at a Glance:

  • $53.71 Billion in Assets 1^ Liabilities as of 12/31/2018 are $50.45 Billion

  • A- (Excellent) Rating from A.M. Best® 2^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 6/20/2019.

  • A- (Strong) Rating from Standard and Poor’s® 3^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 effects of changing circumstances or economic 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, affirmed 8/31/2017.

  • #3 Producer of Fixed Index Annuities4^Source: https://www.winkintel.com/2019/05/overall_indexedannuitysales2018/

  • 24,000 Active Agents

  • 500,000 Active Contract Owners

  • 500+ Employees

  • American-Owned and Operated

  • Proud Supporter of U.S. Troops – employees participate in Red Shirt Fridays and honor veterans through numerous events 

  • Committed to giving back, including financial support and volunteer hours for a host of organizations




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.