American Equity Investment Life Insurance Company®

The One Who Works for You!®

Who is American Equity?

American Equity is a retirement income provider specializing in fixed index annuities that are designed to protect principal and guarantee income. We’re an American-owned and operated company headquartered in the Midwest, where we help fund more than half a million retirements nationwide.

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 members.

American Equity’s Sleep Insurance® Promise

American Equity’s annuities are designed to help plan for a retirement you want. 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®.”

About the American Equity Family of Companies

American Equity Investment Life Holding Company® is a New York Stock Exchange Listed company and is listed under stock symbol NYSE:AEL. Through its wholly-owned subsidiaries, including American Equity Investment Life Insurance Company® Eagle Life Insurance Company® and American Equity Investment Life Insurance Company of New York, American Equity Investment Life Holding Company specializes in the fixed and fixed index annuities marketplace. Stock quotes and investor relations information can be found by visiting, www.american-equity.com/holding-company.  

A.M. Best Company logo

American Equity Ratings

Excellence is not just something we talk about, it’s something we strive to achieve by practicing sound business principles that reflect our integrity and financial stability.  

American Equity has an A- (Excellent) Rating from A.M. Best, a global renowned insurance rating agency dedicated to providing financial strength ratings for insurance companies. A.M. Best utilizes 15 rating categories ranging from A++ to F. An “A-” rating from A.M. Best is its fourth highest rating. 

American Equity has an A- Rating from Standard and Poor’s, a worldwide leader in financial-market intelligence with a 150-year history. Standard and Poor’s rating evaluates information about a company’s credit ratings as well as risk evaluations.

American Equity also has an A- (Stable) Rating from Fitch, a global leader in credit ratings and research. Fitch reaffirmed the Insurer Financial Strength (IFS) ratings in 2021 for American Equity Investment Life Holding Company (AEL) insurance operating subsidiaries: American Equity Investment Life Insurance Company (AEILIC), American Equity Life Insurance Company of New York and Eagle Life Insurance Company at an "A-".

To learn more about American Equity’s credit agency ratings, visit the American Equity Ratings page for more information. 

American Equity at a Glance

  • $57.64 Billion in Assets 1^ Liabilities as of 12/31/2020 are $53.91 Billion
  • #3 Producer of Fixed Index Annuities2^Source: https://www.winkintel.com/2019/05/overall_indexedannuitysales2018/
  • 26,000 Active Agents
  • 500,000 Contract Owners
  • 650+ 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

American Equity's Team & Culture

Group work at a white board

Our culture didn’t happen by chance. It was instituted early in the company’s existence and pillared from our guiding values. As a people-first company, we are honored that our employees have voted American Equity a Top Iowa Workplace since 2011. We value our people and strive to make American Equity a great place to work, grow and engage.

In addition to excellent benefits, American Equity offers employees advancement and leadership opportunities, employee engagement activities, various bonus occasions, as well as paid volunteered time off each year to help make a difference in their communities.

We understand that people drive our success. We recognize each person brings a unique set of gifts and talents to the workplace. Working together as a team within a framework of shared values is what makes American Equity an extraordinary place to work.

American Equity’s Golden Rule Approach

American Equity is 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 customers 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:

  • Commitment to Service - Our contract owners and distribution partners are why we are here. We do our best every day to provide them with the highest possible level of service.
  • Integrity - Our values of honesty, fairness and truthfulness inform how we interact with our stakeholders and inform our conservative investment approach.
  • Excellence - Our activities/actions surpass ordinary standards in order to establish and maintain long-term relationships.
  • Safety - Our contract owners have Sleep Insurance® knowing we provide principal protection against index fluctuations and guaranteed income they cannot outlive.

Our Commitment to You

At American Equity, you are at the center of everything we do. Whether you are a contract owner or an agent, our dedicated team is focused on providing you with the very best service in our industry, product integrity and safe retirement income planning.  We are eager to serve you!


customer service phone team Our goal is to help our contract owners ensure a better standard of living through innovative and secure products. As a contract owner with American Equity, you can expect a commitment to excellence and second to none customer service, including:

  • Your phone call answered promptly by an American Equity professional
  • Requests processed quickly
  • Easy-to-understand product brochures and forms
  • Long-term relationships
  • Knowledgeable, informed and accessible employees to answer your questions
  • Online access to view your contract at any time


As an agent with American Equity, you are our partner. We recognize that without your loyalty and hard work, we would not be the company we are today. You helped us build this business from the ground up and you help us continue to grow in our industry. American Equity is committed to excellence in every interaction we have with you, including:

  • Your phone call answered promptly by an American Equity professional
  • Contracts issued within 24-48 hours (contracts that are in good order)
  • Commissions paid daily
  • Competitive, innovative products
  • Long-term relationships
  • A dedicated Marketing Team focused on your success
  • Free online product training 

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 7/29/21.
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 03/26/2020.
Fitch Ratings assigned American Equity Investment Life Insurance Company an Insurer Financial Strength rating of “A-” (Outlook Stable). Fitch Ratings utilizes 19 rating categories ranging from “AAA” to “C.” An “A-” rating is the seventh highest rating. An insurer with an “A” rating is considered to have a strong capacity for payment of financial commitments, but may be more vulnerable to adverse business or economic conditions than insurers with higher ratings. Outlooks indicate the direction a rating is likely to move over a one- to two-year period if current financial or other trends continue. For more information, please visit www.fitchratings.com. Rating effecting 04/14/2021.
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.