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American Equity AssetShield Bonus 5: Option 3
The American Equity Investment Life Insurance Company, founded in 1995, has been a leader in the annuity and retirement market for nearly three decades now. With a focus on empowering its clients to fulfill their retirement needs, the company is known to offer high-quality fixed indexed annuities, which balance protection and growth while guaranteeing a regular income stream. American Equity holds trustworthiness in high regard, striving to supply financial solutions well suited to their customers’ unique circumstances. Serving the domestic US market, their product distribution goes through independent advisors, banks, and broker-dealers.
American Equity AssetShield Bonus 5: Option 3
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About Product
Type
Fixed Index
Purpose
Accumulation
Premium Bonus
7%
Term
5 Years
Surrender schedule
9.1%
9%
8%
7%
6%
Fee withdrawal:
10%
Flexible premium
Product Life
Market Value Adjustment
Yes
Return Of Premium
No
Minimum Contribution
$5,000
Maximum Contribution
$1,500,000
Max Age Qualified
80
Types Of Funds
Non-Qualified, Traditional IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, Inherited IRA, NQ Stretch, TSP, Roth Conversion (Partial), and Roth Conversion (Full)
Launch Date
02/25/2026
AssetShield Bonus 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. With AssetShield Bonus 5, there is always access to money in the annuity. American Equity provides withdrawal flexibility and a variety of liquidity options.
While the premium bonus applies to first-year contributions only, you can add additional money at any time during your contract, providing you with more flexibility to work toward your goals. And with multiple indexes to choose from, you can adapt your strategy if your goals change.
Performance Rate Rider
More options for magnified growth potential. In exchange for a fee, this rider provides the opportunity to increase the cap, participation rate or replacement rate on elected index-linked crediting strategies. The rider fee is locked-in for the surrender charge schedule and deducted on the last day of each term.
Rider Charge - Account Fee
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%.
While the premium bonus applies to first-year contributions only, you can add additional money at any time during your contract, providing you with more flexibility to work toward your goals. And with multiple indexes to choose from, you can adapt your strategy if your goals change.
Performance Rate Rider
More options for magnified growth potential. In exchange for a fee, this rider provides the opportunity to increase the cap, participation rate or replacement rate on elected index-linked crediting strategies. The rider fee is locked-in for the surrender charge schedule and deducted on the last day of each term.
Rider Charge - Account Fee
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 Fixed Account |
Fixed
|
2.85%
Fixed
|
| 1-Year BNPP Patriot Technology PTP Participation Rate |
Point to Point
Annual
|
90%
Participation
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
4.75%
Cap
|
| 1-Year S&P 500 PTP Monthly Sum Cap |
Point to Point
Annual
Monthly sum
|
2.1%
Cap
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
34%
Participation
|
| 1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate |
Point to Point
Annual
|
130%
Participation
|
| 1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate with Fee |
Point to Point
Annual
|
195%
Participation
|
| 1-Year S&P 500 PTP Participation Rate with Fee |
Point to Point
Annual
|
50%
Participation
|
| 1-Year S&P 500 PTP Cap with Fee |
Point to Point
Annual
|
7.5%
Cap
|
| 1-Year S&P 500 PTP Monthly Sum Cap with Fee |
Point to Point
Annual
Monthly sum
|
3.1%
Cap
|
| 1-Year BlackRock Adaptive U.S. Equity 7% PTP Participation Rate |
Point to Point
Annual
|
100%
Participation
|
| 1-Year BlackRock Adaptive U.S. Equity 7% PTP Participation Rate with Fee |
Point to Point
Annual
|
150%
Participation
|
| 1-Year BNPP Patriot Technology PTP Participation Rate with Fee |
Point to Point
Annual
|
140%
Participation
|
| 1-Year S&P 500 Advantage 15% VT TCA (USD) ER PTP Cap |
Point to Point
Annual
|
6.5%
Cap
|
| 1-Year S&P 500 Advantage 15% VT TCA (USD) ER PTP Participation Rate |
Point to Point
Annual
|
45%
Participation
|
| 1-Year S&P 500 Advantage 15% VT TCA (USD) ER PTP Participation Rate with Fee |
Point to Point
Annual
|
70%
Participation
|
| 1-Year NYSE Premier PTP Participation Rate |
Point to Point
Annual
|
46%
Participation
|
| 1-Year NYSE Premier PTP Participation Rate with Fee |
Point to Point
Annual
|
70%
Participation
|
| 1-Year NYSE Premier PTP Cap |
Point to Point
Annual
|
7%
Cap
|
| 1-Year Nasdaq Premier PTP Cap |
Point to Point
Annual
|
7%
Cap
|
| 1-Year Nasdaq Premier PTP Participation Rate with Fee |
Point to Point
Annual
|
70%
Participation
|
| 1-Year Nasdaq Premier PTP Participation Rate |
Point to Point
Annual
|
46%
Participation
|
| 1-Year S&P 500 Advantage 15% VT TCA (USD) ER Performance Trigger |
Performance Triggered
Annual
|
5.5%
Performance triggered
|
| 1-Year S&P 500 Performance Trigger |
Performance Triggered
Annual
|
4%
Performance triggered
|
| 1-Year Nasdaq Premier Performance Trigger |
Performance Triggered
Annual
|
5.5%
Performance triggered
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 |
|---|---|---|---|---|---|
| Penalty | 9% | 9% | 8% | 7% | 6% |
Riders
No Riders for American Equity AssetShield Bonus 5: Option 3 annuity.
Waivers
Death
The Death Benefit is paid with no Surrender Charges.
Enhanced Benefit
Unavailable in states: CA
This rider provides both a qualified nursing care benefit and terminal illness benefit. After the first contract year, a one-time free withdrawal of up to 100% of the contract value is allowed if 1) the owner is confined to a qualified nursing care facility for a minimum of 90 days and confinement begins after the contract issue date; OR 2) the owner is diagnosed with a terminal illness after the contract is issued. Written proof is required. Included automatically for ages 75 and under for AssetSheild Series.
RMD
The product includes Penalty-Free Withdrawal Provisions for RMD.
Premium Notes
Minimum Premium:
- $5,000
Maximum Premium:
- 18-69: $1,500,000
- 70-74: $1,000,000
- 75-80: $750,000
Contract owners must choose how to allocate the initial premium. Additional premium payments can be made subject to our approval. Additional premiums are automatically allocated to the Fixed Interest Strategy and may be subject to different rates. The contract values may be reallocated between strategies on the contract anniversary, subject to a minimum allocation value of $1,000 each.
Additional premium payments can be added either lump sum or systematic whenever.
Additional premium payments can be added either lump sum or systematic whenever.
Withdrawal Provisions
WithdrawalsWithdrawals can be made from the annuity contract any time before the maturity date of the contract. Free withdrawals of up to 10% of the contract value are allowed each contract year beginning in year two. Free withdrawals are not subject to withdrawal charges. Withdrawal charges will apply to withdrawals taken in excess of the free withdrawal amount. Any withdrawal from the contract will result in a reduction of the contract values. Systematic Withdrawal of interest only from the Fixed Value, available after 30 days.
Company Founded: 1995
Excellent Rated
Company
Company Ratings
4
- A.M. Best A
- Fitch A
- S&P A
- Comdex 75
Assets: $59,829,070,316
Iowa
