American Equity Investment Life Insurance Company

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AssetShield 9 (CA Only)

The AssetShield 9 Annuity makes retirement planning easy! This California-specific product stands out for its generous payout options and debt protection. You'll love the reassurance of knowing your future is secure.

We're talking less financial worry and more time to enjoy your golden years. The AssetShield 9 just simply makes sense for a worry-free retirement. It's comfort, protection, and peace of mind - all rolled into one.

AssetShield 9 (CA Only)

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About Product

Type

Fixed Index

Purpose

Accumulation

Term

9 Years

Surrender schedule

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, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, Inherited IRA, NQ Stretch, and TSP

Launch Date

10/09/2018

AssetShield 9 (California) 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.

Premium Allocations
The initial premium payment can be allocated, in any combination, to either the fixed interest or any of the index strategies. Payments received after the initial premium automatically go into the fixed interest strategy. Contract Values may be reallocated on the contract anniversary between strategies subject to these minimums:

The minimum allocation for each value is $1,000.
The minimum transfer to select a new value is 10% of the Contract Value.
For the 2-year point to point, Contract Values can be reallocated at the end of a two-year term.

Performance Rate Rider
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%.

Please take note that the fee shown for the 2-year enhanced Indexed Crediting Strategies is applied every single year, which is 1.5% annually. Therefore, that is a biennial fee of 3.00% for the whole term as declared in the interest rates (Product fact sheets).

Available in states: CA

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	4% Fixed
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	60% Participation
2-Year BlackRock Adaptive U.S. Equity 7% PTP Participation Rate	Point to Point Biennial	250% Participation
2-Year BlackRock Adaptive U.S. Equity 7% PTP Participation Rate	Point to Point Biennial	160% Participation
1-Year BlackRock Adaptive U.S. Equity 7% PTP Participation Rate	Point to Point Annual	185% Participation
1-Year BlackRock Adaptive U.S. Equity 7% PTP Participation Rate	Point to Point Annual	120% Participation
1-Year SG Global Sentiment PTP Participation Rate	Point to Point Annual	205% Participation
1-Year SG Global Sentiment PTP Participation Rate	Point to Point Annual	120% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate	Point to Point Annual	205% Participation
1-Year UBS Tech Edge PTP Participation Rate	Point to Point Annual	205% Participation
1-Year UBS Tech Edge PTP Participation Rate	Point to Point Annual	120% Participation
1-Year BofA Destinations PTP Participation Rate	Point to Point Annual	120% Participation
1-Year BofA Destinations PTP Participation Rate	Point to Point Annual	205% Participation
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	3.1% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	10.5% Cap
2-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate	Point to Point Biennial	325% Participation
2-Year UBS Tech Edge PTP Participation Rate	Point to Point Biennial	325% Participation
2-Year UBS Tech Edge PTP Participation Rate	Point to Point Biennial	200% Participation
2-Year SG Global Sentiment PTP Participation Rate	Point to Point Biennial	325% Participation
2-Year SG Global Sentiment PTP Participation Rate	Point to Point Biennial	200% Participation
2-Year BofA Destinations PTP Participation Rate	Point to Point Biennial	325% Participation
2-Year BofA Destinations PTP Participation Rate	Point to Point Biennial	200% Participation
2-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate	Point to Point Biennial	200% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate	Point to Point Annual	120% Participation
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	40% Participation
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	2% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	8.5% Cap
2-Year BNPP Patriot Technology PTP Participation Rate	Point to Point Biennial	215% Participation
1-Year BNPP Patriot Technology PTP Participation Rate	Point to Point Annual	155% Participation
2-Year BNPP Patriot Technology PTP Participation Rate	Point to Point Biennial	150% Participation
1-Year BNPP Patriot Technology PTP Participation Rate	Point to Point Annual	105% Participation

Surrender schedule

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

Riders

Name	Inbuilt	Fee
Rate Integrity Rider	Yes

Waivers

Death

The Death Benefit is paid with no Surrender Charges.

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.

Withdrawal Provisions

Market Value Adjustment (MVA)This product contains a Market Value Adjustment (MVA) Rider. An MVA may increase or decrease the amount of a withdrawal in excess of the Free Withdrawal amount or the Surrender Value. The MVA does not apply to Free Withdrawals, any Death Benefit, the MGSV, or any distributions occurring after the Surrender Charge Period has ended. In general, as the MVA Index increases, Cash Surrender Values decrease. As the MVA Index decreases, Cash Surrender Values increase.Free WithdrawalsThis is an opportunity each year (after the first contract year) to take Free Withdrawals up to 10% of the Contract Value. For Cumulative withdrawals, American Equity allows 10% of the contract value after the 1st contract year. The free withdrawal percentage is never more than 10%.Systematic Withdrawal of interest only from the Fixed Value, available after 30 days.Death BenefitThe greater of the Contract Value or the Minimum Guaranteed Surrender Value. Death Benefit proceeds are paid to the surviving joint owner. If there is no surviving joint owner, the Death Benefit is paid to the named beneficiary(ies) with no Surrender Charges. Generally paid in the lump-sum, other payment options are also available.

Company Founded: 1995

Excellent Rated Company

American Equity Investment Life Insurance Company

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