Our Commitment 

American Equity’s Commitment to Values, Principles

At American Equity Investment Life Insurance Company®, we’re more than just retirement savings and income products. We’re here for you, whether you’re a policyholder, distribution partner or agent, because it’s our mission to provide best-in-class service with safe retirement options.

From the beginning, we have been committed to the values and principles of excellence that have established us as a leading industry provider of annuity products.

Customer Service

A core philosophy of American Equity is providing superior customer service every day. You are at the center of everything we do, and we are committed to conservative investment practices that focus on keeping your money protected. Our company is headquartered in West Des Moines, Iowa, and we do not outsource service. This means when you call our office during business hours, you’ll always talk to a live person and won’t have to wait on hold for a long period of time. Our employees are professional, courteous and helpful to your needs.

Product Integrity

We understand that every retirement is different, and each one requires its own financial approach. However, the end goal here is the same – a reliable income source and asset protection. With our annuities, we are focused on providing you a contract backed by our financial strength and claims-paying ability. Our values of honesty, fairness and truthfulness have always been essential to the products we design.

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.