Financial strength on which you can count
We’re built to keep our promises, with strong financial ratings and stability to ensure your retirement is protected — today and for years to come.
Ratings are more than numbers — they’re a measure of trust
When you purchase an annuity from a company, you’re placing your future in their hands. Financial strength ratings help reassure contract owners that a company has the resources and resilience to deliver on its promises, even through economic downturns.
Rating agencies assess a company’s ability to meet its guarantees and financial obligations. Each agency uses its own scale and criteria, but all share a focus on financial health, claims-paying ability, and business fundamentals to help consumers and financial professionals make informed decisions when selecting an annuity provider.
Our ratings show our financial strength
When choosing American Equity, you’re placing trust in a company recognized for our commitment to sound business principles and financial strength.
AM Best
Rating: Excellent (1)
As of 11/2024
S&P Global
Rating: Very strong (2)
As of 05/2024
FitchRatings
Rating: Outlook stable (3)
As of 07/2025
Products to secure your future
The American Equity commitment to financial strength is reflected in the annuity products we offer. Built for long-term stability and designed to provide guaranteed income, our fixed and fixed index annuities help provide financial confidence.
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AEL is the brand name and pending trademark of American Equity Investment Life Insurance Company® which specializes in the sale of fixed index and fixed rate annuities through its wholly-owned operating subsidiaries, American Equity Investment Life Insurance Company®, Eagle Life Insurance Company®, and American Equity Investment Life Insurance Company of New York.
1A.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 third highest rating. For the latest rating, access ambest.com. Rating effective 11/27/2024.
2Standard 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 5/6/2024.
3Fitch Ratings assigned American Equity Investment Life Insurance Company an Insurer Financial Strength rating of “A”. Fitch Ratings utilizes 19 rating categories ranging from “AAA” to “C.” An “A” rating is the sixth 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 fitchratings.com. Rating effective 7/18/2025.