American Equity Investment Life Insurance Company
EstateShield 10
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
10 years
Top yield
0.65%
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 Acocunt | Fixed | 2.00% | — | — | 0.65% |
| 1 Year S&P 500 Monthly Average Point to Point with Cap | Point to Point | — | 1.70% | — | 0.45% |
| 1-Year S&P 500 Dividend Aristocrats ER Point to Point with Par Rate | Point to Point | — | — | 110.00% | 0.45% |
| 1-Year S&P 500 Point to Point with Cap | Point to Point | — | 4.25% | — | 0.45% |
| 2-Year S&P 500 Dividend Aristocrats ER Point to Point with Par Rate | Point to Point | — | — | 160.00% | 0.45% |
| 2-Year S&P 500 Point to Point with Cap | Point to Point | — | 8.75% | — | 0.45% |
| BlackRock Adaptive US Equity 5% Index 2-Year Pt to Pt with PR | Point to Point | — | — | 160.00% | 0.45% |
| BlackRock Adaptive US Equity 5% Index Annual Pt to Pt with PR | Point to Point | — | — | 110.00% | 0.45% |
Surrender Schedule
Yr 1
9.2%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
Product Specifications
- Minimum premium (non-qualified)
- $5,000
- Minimum premium (qualified)
- $5,000
- Maximum issue age
- 75
- Free withdrawal
- 10%
- Market value adjustment
- Yes
- Return of premium
- No
- States available
- 49 states
Income Riders
EstateShield Enhanced Death Benefit
Roll-up: Interest Only with 1.50% bump up up to 250.00% of the interest credited
EstateShield LIBRGLWB(built in)
Roll-up: Interest Only with 1.50% bump up
Withdrawal age: 50.0-90
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.