Fixed index annuity review and rates
Retirement Gold (FL Only)
The Retirement Gold
Flexible-Premium Deferred Annuity which pays a one-year premium bonus of 8%% with a Fixed Interest Account and Multiple Equity Index Options with a 10-year surrender charge period. Account Values are illustrated for the account options available at issue, subject to minimum allocations, and premium requirements.
Flexible-Premium Deferred Annuity which pays a one-year premium bonus of 8%% with a Fixed Interest Account and Multiple Equity Index Options with a 10-year surrender charge period. Account Values are illustrated for the account options available at issue, subject to minimum allocations, and premium requirements.
Available in states:
FL
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
1%
Fixed
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
10%
Participation
|
| 1-Year S&P 500 PTP Monthly Average Participation Rate |
Point to Point
Annual
Monthly average
|
15%
Participation
|
| 1-Year S&P 500 PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
1.75%
Cap
|
| 1-Year S&P 500 PTP Monthly Sum Cap |
Point to Point
Annual
Monthly sum
|
1%
Cap
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
1.75%
Cap
|
| 1-Year Bond Yield PTP Cap with Spread |
Point to Point
Annual
|
4.65%
Cap
2%
Spread
|
| 1-Year S&P 500 Dividend Aristocrats DRC 5% TR PTP Spread |
Point to Point
Annual
|
5%
Spread
|
| 1-Year S&P 500 PTP Performance Triggered |
Performance Triggered
Annual
|
1.5%
Performance triggered
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Penalty | 13% | 12% | 11% | 10% | 9% | 8% | 6% | 5% | 3% | 2% |
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| LIBR Option 1 - 6.00% Rollup | No | 0.90% annually |
| LIBR Option 2 - 6.00% Rollup & Wellbeing Rider | No | 1.00% annually |
| LIBR Option 3 - Bonus Product Indexing Income | No | 0.90% annually |
American Equity Investment Life Insurance Company
Founded:
1995
A.M. Best:
A-
Fitch:
A-
S&P:
A-
Brochure
Free withdrawal
1st year: 0%
2nd+ year: 10%
2nd+ year: 10%
Premium bonus
8%
Surrender schedule
10 years
Return of premium
Market value adjustment
Minimum contribution
$5,000
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, Inherited IRA, NQ Stretch, and TSP