About Us

American Equity's Promise and Commitment to You

At American Equity Investment Life Insurance Company®, we strive for excellence anytime we work for you, whether you are a contract owner or one of our agents. Our commitment to best-in class service and innovative retirement options drives us to help provide stability in retirement. For more than 25 years, we remain committed that our service sets us apart from the competition. These principles and values have made us a leading provider of fixed index annuity products.

Building Partnerships 

Planning retirement and thinking about what is needed shouldn’t be taken on alone. American Equity thrives to help you meet the ever-changing need and goals of retirement by building a partnership and prioritizing you. Every interaction with our customers is important no matter how small. By providing you with the highest possible level of service, we are able to stand by our commitment to excellence, truthfulness, integrity and safety.

Honesty and Integrity

We focus on providing innovative solutions that follow the latest developments in the industry and are safe. Every retirement is different and it’s important to us that you can count on a reliable income source and asset protections. Because of our unique product design, innovative approach and commitment to excellence we want to make sure we provide a contract backed by our financial strength and claims paying ability. 

Financial Strength

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 effective 5/5/2021. Affirmed 12/8/22.

We have also been recognized for our commitment to solid business principles and financial strength. 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 9/9/2022.

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 11/8/22.

To learn more about American Equity’s credit agency ratings, visit the American Equity Ratings page at www.american-equity.com/about/ratings.

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.