Growth they can count on. Legacy their loved ones deserve.
American Equity EstateShield
Designed for retirement security and legacy planning that protects money from market loss, these annuities offer the potential for guaranteed lifetime income and enhance the benefits clients’ loved ones receive. With a benefits account value (BAV), enhanced death benefit options, and no-cost riders for income and wellbeing, you can help ensure their legacy lives on — securely and confidently.
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American Equity EstateShield 10
Built-in features to grow your benefits account value
BAV bonus - The BAV bonus is equal to the BAV bonus percentage multiplied by the premium received, and is immediately credited to the BAV.
BAV multiplier - The BAV grows for the life of the contract by multiplying the preceding year’s increases in the contract value by a BAV multiplier of 150%. Once lifetime income payments begin, the annual income payment amount will increase by an amount equal to the current annual income payment multiplied by the BAV growth rate.
Linda’s legacy
At age 68, Linda wanted a retirement solution that protected her income and gave her children options as beneficiaries. She chose American Equity EstateShield BONUS 10.
She received a 35% bonus to her BAV at contract issue, giving her income and legacy benefits a head start.
Linda chose to begin receiving income payments at the waiting period's end, at which time they were guaranteed for life.
When she passed at age 84, her children elected to receive 100% of the BAV in equal payments over five years — significantly more than the contract value alone. Linda’s legacy gave her children the gift of flexibility and financial stability during a difficult time and for years to come.
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Annuity contract and riders issued under form series ICC20 MSP-10, ICC21 BASE-IDX-MSP, ICC21 R-LIBR-W-BAV, ICC20 E-PTP-C, ICC20 E-PTP-PR, ICC20 E-MPTP-C, ICC20 R-EBR, ICC16 R-MVA and state variations thereof. Availability may vary by state. For complete details please see product specific sales brochure(s) and disclosure(s).