AssetShield 5 Rate & Reviews

AssetShield 5

AssetShield 5 is a Flexible Premium Deferred Annuity designed to help protect hard-earned dollars from index fluctuations while offering interest growth opportunities based on increases in an index. Money access options and features With AssetShield 5, there is always access to money in the annuity. American Equity provides withdrawal flexibility and a variety of liquidity options.

Rider Charge
The rider charge is the amount deducted on the last day of each indexed strategy term from each indexed strategy to which the rider is applied. To calculate the rider charge, the rider fee (1.5% for monthly and annual point-to-point strategies and 3% for 2- year point to point strategies) is multiplied by the strategy value of the corresponding indexed strategy on the first day of each term. The rider fee will not change during the surrender charge period and will never be more than the maximum rider fee of 3%.

Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year S&P 500 PTP NeXt Monthly Sum Replacement Rate	NeXt Annual Monthly sum	0.1% Cap
1-Year S&P 500 PTP NeXt Monthly Sum Replacement Rate	NeXt Annual Monthly sum	1.2% Cap
1-Year Fixed Account	Fixed	3.35% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	11% Cap
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	2.3% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	24% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate	Point to Point Annual	145% Participation
1-Year BofA Destinations PTP Participation Rate	Point to Point Annual	110% Participation
1-Year CS Tech Edge PTP Participation Rate	Point to Point Annual	115% Participation
1-Year SG Global Sentiment PTP Participation Rate	Point to Point Annual	110% Participation
1-Year BofA Destinations PTP Participation Rate	Point to Point Annual	210% Participation
1-Year CS Tech Edge PTP Participation Rate	Point to Point Annual	215% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate	Point to Point Annual	230% Participation
1-Year SG Global Sentiment PTP Participation Rate	Point to Point Annual	210% Participation
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	38% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	13% Cap
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	3.1% Cap

Surrender schedule

Year	1	2	3	4	5
Penalty	9%	9%	8%	7%	6%

Riders

Name	Inbuilt	Fee
Rate Integrity Rider	Yes	None