Ratings:

A.M. Best A-
Fitch A-
S&P A
Comdex 58

James Alden

Experienced Financial Advisor

25 years

experience

3,712

career consultations

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AssetShield Bonus 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.

AssetShield Bonus 10

Your Email

Ratings:

A.M. Best A-
Fitch A-
S&P A
Comdex 58

About Product

Type

Fixed Index

Purpose

Accumulation

Premium Bonus

12%

Term

10 Years

Surrender schedule

9.1%9%8%7%6%5%4%3%2%1%

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

03/15/2023

AssetShield Bonus 10 is a Flexible Premium Deferred Index Annuity. Designed to shield a portion of your portfolio from retirement unknowns that can stand in the way of your accumulation goals. Through features like principal protection and automatic reset, the AssetShield annuity helps shield your principal and any earned interest from index volatility while providing strong accumulation opportunities.

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%.

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: 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	2% Fixed
2-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate	Point to Point Biennial	125% Participation
2-Year BlackRock Adaptive U.S. Equity 7% PTP Participation Rate	Point to Point Biennial	200% Participation
2-Year BlackRock Adaptive U.S. Equity 7% PTP Participation Rate	Point to Point Biennial	125% Participation
1-Year BlackRock Adaptive U.S. Equity 7% PTP Participation Rate	Point to Point Annual	150% Participation
1-Year BlackRock Adaptive U.S. Equity 7% PTP Participation Rate	Point to Point Annual	100% Participation
2-Year BofA Destinations PTP Participation Rate	Point to Point Biennial	275% Participation
2-Year BofA Destinations PTP Participation Rate	Point to Point Biennial	125% Participation
1-Year BofA Destinations PTP Participation Rate	Point to Point Annual	185% Participation
1-Year BofA Destinations PTP Participation Rate	Point to Point Annual	105% Participation
2-Year UBS Tech Edge PTP Participation Rate	Point to Point Biennial	275% Participation
2-Year UBS Tech Edge PTP Participation Rate	Point to Point Biennial	125% Participation
1-Year UBS Tech Edge PTP Participation Rate	Point to Point Annual	185% Participation
1-Year UBS Tech Edge PTP Participation Rate	Point to Point Annual	105% Participation
2-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate	Point to Point Biennial	275% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate	Point to Point Annual	185% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate	Point to Point Annual	105% Participation
2-Year SG Global Sentiment PTP Participation Rate	Point to Point Biennial	275% Participation
2-Year SG Global Sentiment PTP Participation Rate	Point to Point Biennial	125% Participation
1-Year SG Global Sentiment PTP Participation Rate	Point to Point Annual	185% Participation
1-Year SG Global Sentiment PTP Participation Rate	Point to Point Annual	105% Participation
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	35% Participation
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	15% 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 Monthly Sum Cap	Point to Point Annual Monthly sum	1.25% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	7% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	5% Cap

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
Rate Integrity Rider	Yes

Waivers

Death

The Death Benefit is paid with no Surrender Charges.

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.

Premium Notes

Minimum Premium:

$5,000

Maximum Premium:

18-69: $1,500,000
70-74: $1,000,000
75-80: $750,000

Note: TSP funds have to be rolled into an IRA.

Withdrawal Provisions

Penalty-Free Withdrawals
10% of Contract Value Annually, Starting Year 2. Systematic Withdrawal of interest only from the Fixed Value, available after 30 days. 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%.