American Equity Investment Life Insurance Company
California IncomeShield 9
Rates and specifications only. Our editorial review of this product hasn't been written yet, so there's no star rating or verdict here — the figures below come straight from the carrier's filed rates. We don't hold this carrier's brochure for this product yet, so the specifications below are limited to what the rate filing carries.
Type
FIA
Surrender
9 years
Top yield
2.14%
A.M. Best
A
Current Rates
Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate. Each row is a variant of the same product.
| Strategy | Method | Rate | Cap | Par | Yield to surrender |
|---|---|---|---|---|---|
| 1 Year Fixed Account | Fixed | 2.00% | — | — | 2.14% |
| 1 Year BlackRock Adaptive US Equity 5% Index Point to Point with a Participation Rate | Point to Point | — | — | 95.00% | 1.51% |
| 1 Year S&P 500 Point to Point Monthly Sum with a Cap | Point to Point | — | 1.30% | — | 1.51% |
| 1 Year S&P 500 Point to Point with a Cap | Point to Point | — | 3.25% | — | 1.51% |
| 1 Year S&P 500 Point to Point with a Participation Rate | Point to Point | — | — | 20.00% | 1.51% |
| 1 Year S&P 500® Dividend Aristocrats Daily Risk Control 5% Index ER Point to Point with a Cap | Point to Point | — | 7.50% | — | 1.51% |
| 1 Year S&P 500® Dividend Aristocrats Daily Risk Control 5% Index ER Point to Point with a Participation Rate | Point to Point | — | — | 85.00% | 1.51% |
| 2 Year BlackRock Adaptive US Equity 5% Index Point to Point with a Participation Rate | Point to Point | — | — | 145.00% | 1.51% |
| 2 Year S&P 500 Point to Point with a Cap | Point to Point | — | 7.00% | — | 1.51% |
| 2 Year S&P 500 Point to Point with a Participation Rate | Point to Point | — | — | 30.00% | 1.51% |
| 2 Year S&P 500® Dividend Aristocrats Daily Risk Control 5% Index ER Point to Point with a Participation Rate | Point to Point | — | — | 125.00% | 1.51% |
| Dow Jones Industrial Average 1-Year Performance Trigger | Performance Triggered | — | 3.00% | — | — |
| Dow Jones Industrial Average 1-Year Pt to Pt with Cap | Point to Point | — | 3.25% | — | — |
| Nasdaq Premier 1-Year Performance Trigger | Performance Triggered | — | 4.00% | — | — |
| Nasdaq-100 1-Year Performance Trigger | Performance Triggered | — | 3.25% | — | — |
| Nasdaq-100 1-Year Pt to Pt with Cap | Point to Point | — | 3.50% | — | — |
Surrender Schedule
Yr 1
7%
Yr 2
8.35%
Yr 3
7.35%
Yr 4
6.25%
Yr 5
5.1%
Yr 6
3.95%
Yr 7
2.7%
Yr 8
1.35%
Yr 9
0.7%
Product Specifications
- Minimum premium (non-qualified)
- $5,000
- Minimum premium (qualified)
- $5,000
- Maximum issue age
- 80
- Free withdrawal
- 10%
- Free withdrawal (year 1)
- Interest Only
- Market value adjustment
- Yes
- Return of premium
- No
- States available
- 1 states
Income Riders
CA IncomeShield 9 LIBR Option 1GLWB
CA IncomeShield 9 LIBR Option 2GLWB
CA IncomeShield 9 LIBR Option 3GLWB
CA IncomeShield 9 LIBR Option 4GLWB
IncomeShield CA LIBR Option 1 - 4.00% Rollup(built in)
Roll-up: 4.00%
Withdrawal age: 50.0 Min
IncomeShield CA LIBR Option 2 - 8.25% Rollup(built in)
Roll-up: 8.25%
Withdrawal age: 50.0 Min
IncomeShield CA LIBR Option 3 - 6.50% Rollup(built in)
Withdrawal age: 50.0 Min
IncomeShield LIBR Option 4 - 8.25% Rollup & Wellbeing RiderGLWB(built in)
Roll-up: 8.25%
Withdrawal age: 50.0 Min
Rates are a snapshot and change frequently. Figures are sourced from the carrier's filed rates via Annuity Rate Watch and refreshed nightly. Nothing here is a recommendation to buy. Annuities are issued by insurance companies and are not guaranteed by any bank or the FDIC. See our legal & disclosures.