American Equity Investment Life Insurance Company
IncomeShield 7
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
7 years
Top yield
0.67%
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 |
|---|---|---|---|---|---|
| Fixed Account | Fixed | 1.70% | — | — | 0.67% |
| 1 Year S&P 500® Dividend Aristocrats Daily Risk Control 5% Index ER Annual Pt to Pt w/ Cap | Point to Point | — | 4.50% | — | 0.43% |
| 1 Year S&P 500® Dividend Aristocrats Daily Risk Control 5% Index ER Annual Pt to Pt w/ PR | Point to Point | — | — | 65.00% | 0.43% |
| BlackRock Adaptive US Equity 5% Index Annual Pt to Pt with PR | Point to Point | — | — | 80.00% | 0.43% |
| S&P 500 Annual Pt to Pt w/ Cap | Point to Point | — | 2.75% | — | 0.43% |
| S&P 500 Annual Pt to Pt w/ PR | Point to Point | — | — | 10.00% | 0.43% |
Surrender Schedule
Yr 1
9.2%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
4%
Yr 7
2%
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
- 49 states
Income Riders
IncomeShield LIBR Option 1 - 4.00% RollupGLWB(built in)
Roll-up: 4.00%
Withdrawal age: 50.0 Min
IncomeShield LIBR Option 2 - 8.25% RollupGLWB(built in)
Roll-up: 8.25%
Withdrawal age: 50.0 Min
IncomeShield LIBR Option 3 - 6.50% RollupGLWB(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
IncomeShield LIBR Option 5 - 6.50% Rollup & Wellbeing RiderGLWB(built in)
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.