The Power of a Fixed Index Annuity
Every retirement is different, each with its own financial plan and unique needs, but many of today’s retirement goals include achieving asset protection, growth opportunities, and a reliable income source. Fixed index annuities are a long-term retirement product that have helped many Americans plan for income in retirement and balance their retirement portfolios with benefits like principal protection, tax-deferred growth and guaranteed income that cannot be outlived.
What is a Fixed Index Annuity?
Fixed index annuities are one of the only retirement vehicles specifically designed to provide a powerful combination of benefits that protects principal, allows for index-linked interest credit increases, provides tax-deferred growth and guarantees income over a chosen period of time.
How do Fixed Index Annuities Work?
A fixed index annuity is a contract between you and an insurance provider, such as American Equity, which guarantees principal protection and a future income source. The contract is purchased using a lump sum or a series of payments, also known as premiums.
An annuity is purchased from an insurance agent or financial professional who is licensed to sell annuities and can help you achieve your long-term retirement goals.
The fixed index annuity is considered an insurance product and is not directly tied to or invested in the stock market or share ownership. This function prevents the annuity contract from losing money due to index volatility with the market going down and performing poorly. The interest credited will never be less than zero.
What is a Lifetime Income Benefit Rider and How Does it Work?
The optional Lifetime Income Benefit Rider (LIBR) with a fixed index annuity from American Equity can help secure a guaranteed lifelong income source. The income payments are drawn from an income account value (IAV) or benefits account value (BAV), which is credited over time using different crediting strategies depending on the annuity. The IAV or BAV is used to calculate income or benefits payments, and is only available through lifetime income or death benefit payments. It is not available as a lump sum.
American Equity Featured Indices:
BlackRock® Adaptive U.S. Equity 5% and 7% Index (5% Ticker: BAUSE5X) (7% Ticker:BAUSE7X): This index is designed to deliver exposure to BlackRock’s iShares® Core S&P 500® ETF, three fixed income U.S. Treasury iShares® ETFs and a cash component, while adaptively rebalancing daily based on macro conditions.
Go to the 5% index site
Go to the 7% index site
BofA Destinations Index™ (Ticker: BOFADST5): Developed in collaboration with Bank of America and exclusive to American Equity, the volatility-controlled index tracks domestic equities, treasuries and the Gold Index.
Go to the index site
Credit Suisse Tech Edge Index (Ticker: CSEATEDG): The excess return index combines four U.S tech and biotech ETFs and two fixed income components. It utilizes a cutting-edge volatility control mechanism, powered by Salt Financial, to identify to changing market conditions using a combination of intraday and end-of-day data.
Go to the index site
SG Global Sentiment Index (Ticker: SGIXSENT): This multi-asset class index assesses market sentiments to determine whether a market is in a growth, intermediate or shrinking phase. Each phase is associated with an allocation across a global and diverse asset base, including equities, bonds and commodities in domestic, European and Asian markets.
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S&P 500® Index (Ticker: SPX): Consists of 500 leading U.S. stocks and is a common benchmark of the U.S. stock market. The S&P 500® Index is widely regarded as the best single gauge of large-cap U.S. equities.
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S&P 500® Dividend Aristocrats® Daily Risk Control 5% Excess Return Index (Ticker: SPXD5UE): Volatility control index that consists of the S&P 500 members that have consistently increased dividends every year for at least 25-consecutive years.
Go to the index site
American Equity's Fixed Index Annuities
American Equity offers fixed index annuity products that provide different benefits and terms. Learn more about Our Shield Suite of fixed index annuities.

Looking for retirement tools? Try our annuity calculators.