Protection today. Guaranteed income tomorrow.
American Equity IncomeShield
American Equity IncomeShield is a fixed index annuity (FIA) designed to protect savings from market loss while helping build guaranteed income for life. With a variety of features including flexible premiums, multiple interest crediting options, and the ability to choose the income rider that works best for your clients, these annuities provide the power to retire confidently — no matter what the future holds.
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American Equity IncomeShield BONUS 10
Jump start retirement savings with premium bonuses
Premium bonuses help to provide a head start on 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 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 an additional premium of $100,000. For added flexibility, she elected to add a LIBR with a Wellbeing Benefit Rider that can provide access to enhanced monthly payouts for help offsetting 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 and Wellbeing Benefit Rider allow her to save income with 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.
Explore our client engagement collections
The cost of waiting: Retirement planning
Illustrate the financial implications of delaying retirement decisions — and why now is the best time to take action.
Discover retirement planning materials
Browse a versatile mix of resources designed to support your client conversations — from basic income planning to more unique considerations.
Solving for retirement income gaps
Use these conversation-starting assets and examples to illustrate income gaps and the importance of filling them when planning for retirement.
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Interested in seeing how annuities may work for your clients? Start with an illustration.
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Annuity contract 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.