Protection today. Guaranteed income tomorrow.
Instead of thinking about what you want to do in retirement, maybe it’s time to think about what’s stopping you.
American Equity IncomeShield
Built to protect your assets from index volatility while helping you generate guaranteed income for life. With a variety of features including flexible premium, multiple interest crediting options, and the ability to choose the income rider that works best for you, these annuities give you the power to retire confidently — no matter what the future holds.
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 to meet your retirement needs, adapt to life’s challenges, and deliver income that cannot be outlived.
10-year surrender period with guaranteed lifetime income and accumulation potential.
Protection & tax-deferred growth with a 7-year schedule. California option available.
American Equity IncomeShield BONUS 10
Jump start retirement savings with premium bonuses
Get premium bonuses to help give you a head start on your retirement savings. A 14% bonus is applied to all first-year premium payments and vests over a predetermined period.
Each year after the first contract year, a percentage is vested until 100% vested at the end of the contract. The vested amount of the premium bonus is guaranteed and cannot be forfeited as a result of a free withdrawal. In the event of a partial withdrawal or a surrender, premium bonus payouts will be based on the vesting schedule.
Jodi’s story
Jodi, age 55, worked with her financial planner to discover that her existing Social Security benefits will cover about 40% of her income needs. To help supplement her income, she purchased an American Equity IncomeShield fixed index annuity with a premium of $100,000. For additional flexibility, she added a Lifetime Income Benefit Rider with Wellbeing Benefit that can provide access to enhanced monthly payouts to help offset the burden of healthcare expenses.
Boosting income base - A 14% bonus is added to Jodi’s IAV on all first-year premiums. She can begin drawing income payments, but chooses to let her assets build.
Generating lifetime income - The LIBR with Wellbeing Benefit allows her to save income wth the interest credited to her IAV.
Drawing income - Jodi can build her benefit base over time. When she elects to begin drawing income, her payout factor is a percentage of the IAV based on her age. This income payment is guaranteed for life.
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
Incomeshield 9 available in California only.
Annuity Contracts and riders issued under form series ICC22 BASE-IDX, ICC22 BASE-IDX-B, ICC23 BASE-IDX, ICC24 BASE-IDX-B, ICC23 IDX-10-10, ICC24 IDX-11-10, ICC22 IDX-11-10, ICC22 IDX-10-7, ICC20 E-PTP-C, ICC20 E-PTP-PR, ICC20 E-MPTP-C, ICC24 E-BPT, ICC16 R-MVA, ICC20 R-EBR, ICC20 R-LIBR-FCP, ICC20 R-LIBR-FSP, ICC20 R-LIBR-W-FSP, ICC20 R-LIBR-W-FCP and state variations thereof. Availability may vary by state.
Bonus available on 1st year premiums. Each year after the 1st contract year, you become vested in a percentage of the bonus, until 100% vested at the end of the 10th (9 in CA) contract year. Vested amounts of the bonus are the amounts not forfeited as a result of an early withdrawal or surrender. Bonus, surrender charges, and vesting schedules may vary by state. See brochure and disclosure for details.
Withdrawal charges may apply to an annuity. Interest earnings in an annuity are not taxed until withdrawn. Annuity withdrawals and distributions may be subject to income tax and, if withdrawals or distributions are taken prior to age 59½, a 10% federal penalty tax may apply.
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 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.