Annuity Educator
Best Guaranteed Annuity Rates
2-Year
5.25%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

AssetShield 5

In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.

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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 BlackRock Adaptive U.S. Equity 7% PTP Participation Rate
Point to Point
Annual
180% Participation
1-Year BlackRock Adaptive U.S. Equity 7% PTP Participation Rate
Point to Point
Annual
125% Participation
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
3.3% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
8.5% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
45% Participation
1-Year SG Global Sentiment 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
235% Participation
1-Year UBS Tech Edge PTP Participation Rate
Point to Point
Annual
220% Participation
1-Year BofA Destinations PTP Participation Rate
Point to Point
Annual
215% Participation
1-Year SG Global Sentiment PTP Participation Rate
Point to Point
Annual
160% Participation
1-Year UBS Tech Edge PTP Participation Rate
Point to Point
Annual
170% Participation
1-Year BofA Destinations PTP Participation Rate
Point to Point
Annual
165% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate
Point to Point
Annual
170% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
30% Participation
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.4% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
6.5% Cap

Surrender schedule

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

Riders

Name Inbuilt Fee
Rate Integrity Rider Yes