American Equity Investment Life Insurance Company

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American Equity IncomeShield 10

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 IncomeShield 10

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About Product

Type

Fixed Index

Purpose

Lifetime Income

Term

10 Years

Surrender schedule

9.2%

Fee withdrawal:

10%

Flexible premium

Product Life

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$5,000

Maximum Contribution

$1,500,000

Max Age Qualified

Types Of Funds

Non-Qualified, Traditional IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, NQ Stretch, TSP, Roth Conversion (Partial), and Roth Conversion (Full)

Launch Date

10/01/2025

IncomeShield 10 is a Flexible Premium Deferred Index Annuity. Designed to help protect a portion of your client's portfolio from market uncertainty while building a guaranteed stream of income for life.

Available in states: AL, AK, AZ, AR, 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	3.5% Fixed
2-Year BlackRock Adaptive U.S. Equity 5% PTP Participation Rate	Point to Point Biennial	245% Participation
2-Year S&P 500 PTP Cap	Point to Point Biennial	12.75% Cap
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	55% Participation
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	2.5% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	5.75% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	42% Participation
2-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate	Point to Point Biennial	225% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Cap	Point to Point Annual	25% Cap
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate	Point to Point Annual	160% Participation
1-Year S&P 500 Advantage 15% VT TCA ER PTP Cap	Point to Point Annual	9% Cap
2-Year S&P 500 Advantage 15% VT TCA ER PTP Cap	Point to Point Biennial	25% Cap
2-Year S&P 500 Advantage 15% VT TCA ER PTP Participation Rate	Point to Point Biennial	80% Participation
1-Year S&P 500 Advantage 15% VT TCA ER PTP Participation Rate	Point to Point Annual	56% Participation
1-Year NYSE Premier PTP Participation Rate	Point to Point Annual	56% Participation
2-Year NYSE Premier PTP Participation Rate	Point to Point Biennial	80% Participation
2-Year NYSE Premier PTP Cap	Point to Point Biennial	25% Cap
1-Year NYSE Premier PTP Cap	Point to Point Annual	9% Cap
1-Year Nasdaq Premier PTP Cap	Point to Point Annual	9% Cap
2-Year Nasdaq Premier PTP Cap	Point to Point Biennial	25% Cap
2-Year Nasdaq Premier PTP Participation Rate	Point to Point Biennial	80% Participation
1-Year Nasdaq Premier PTP Participation Rate	Point to Point Annual	56% Participation
1-Year BlackRock Adaptive U.S. Equity 5% PTP Participation Rate	Point to Point Annual	165% Participation
1-Year S&P 500 Advantage 15% VT TCA ER Performance Trigger	Performance Triggered Annual	7% Performance triggered
1-Year S&P 500 Performance Trigger	Performance Triggered Annual	5% Performance triggered

Surrender schedule

Year	1	2	3	4	5	6	7	8	9	10
Penalty	9%	9%	8%	7%	6%	5%	4%	3%	2%	1%

Riders

Name	Inbuilt	Fee
IncomeShield LIBR - 10% Rollup & Wellbeing Rider	Yes	1.20% annually

Waivers

Death

No surrender charges at death.

Enhanced Benefit

This no-fee rider is automatically included for owners age 75 and under and includes both a Qualified Nursing Care and Terminal Illness Benefit. If the contract is jointly owned, both owners must be 75 and under to be eligible for the Enhanced Benefit Rider. Qualified Nursing Care Benefit – After the first contract year, one additional free withdrawal of up to 100% of the contract value is allowed if the owner is confined in a qualified care facility for a minimum of 90 days. Confinement must begin after the contract issue date and written proof is required from both the qualified care facility and recommending physician. Terminal Illness Benefit – After the first contract year, one additional free withdrawal of up to 100% of the contract value is allowed if the owner is diagnosed with a terminal illness. Diagnosis must occur after the contract is issued and written proof with supporting documentation is required from a qualified physician.

RMD

The product includes Penalty-Free Withdrawal Provisions for RMD.

Premium Notes

Minimum Premium:

$5,000

Maximum Premium:

40-69: $1,500,000
70-74: $1,000,000
75-80: $750,000

Choosing Strategy Allocations
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.

Withdrawal Provisions

Withdrawals Withdrawals 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.

Company Founded: 1995

Excellent Rated Company

American Equity Investment Life Insurance Company

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