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Best Guaranteed Annuity Rates
2-Year
5.55%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%

AssetShield Bonus 10

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Highlights

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. 

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
Type
Fixed Index
Purpose Accumulation
Premium Bonus
5%
Term
10 Years
Surrender schedule
9.1%9%8%7%6%5%4%3%2%1%
Free withdrawal
1st year: 0%
2nd+ year: 10%
Flexible premium Product Life
Market value adjustment
Return of premium
Launch date
03/15/2023
Minimum contribution
$5,000
Maximum contribution
$1,500,000
Max Age Qualified
80
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, Inherited IRA, NQ Stretch, and TSP
Brochure
Open brochure

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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%.

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3% Fixed
2-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate
Point to Point
Biennial
185% Participation
2-Year BlackRock Adaptive U.S. Equity 7% PTP Participation Rate
Point to Point
Biennial
240% Participation
2-Year BlackRock Adaptive U.S. Equity 7% PTP Participation Rate
Point to Point
Biennial
150% Participation
1-Year BlackRock Adaptive U.S. Equity 7% PTP Participation Rate
Point to Point
Annual
165% Participation
1-Year BlackRock Adaptive U.S. Equity 7% PTP Participation Rate
Point to Point
Annual
105% Participation
2-Year BofA Destinations PTP Participation Rate
Point to Point
Biennial
315% Participation
2-Year BofA Destinations PTP Participation Rate
Point to Point
Biennial
190% Participation
1-Year BofA Destinations PTP Participation Rate
Point to Point
Annual
215% Participation
1-Year BofA Destinations PTP Participation Rate
Point to Point
Annual
130% Participation
2-Year UBS Tech Edge PTP Participation Rate
Point to Point
Biennial
335% Participation
2-Year UBS Tech Edge PTP Participation Rate
Point to Point
Biennial
200% Participation
1-Year UBS Tech Edge PTP Participation Rate
Point to Point
Annual
220% Participation
1-Year UBS Tech Edge PTP Participation Rate
Point to Point
Annual
130% Participation
2-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate
Point to Point
Biennial
310% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate
Point to Point
Annual
220% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate
Point to Point
Annual
130% Participation
2-Year SG Global Sentiment PTP Participation Rate
Point to Point
Biennial
305% Participation
2-Year SG Global Sentiment PTP Participation Rate
Point to Point
Biennial
185% Participation
1-Year SG Global Sentiment PTP Participation Rate
Point to Point
Annual
210% Participation
1-Year SG Global Sentiment PTP Participation Rate
Point to Point
Annual
125% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
50% 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
3% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
1.9% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
8% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
6% 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.

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