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.
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 |
Find out if the AssetShield Bonus 10 is the right product for you.
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%.
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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