American Equity Investment Life Insurance Company
4.7
based on complex data
Annuity Educator Rating
Annuity review

AssetShield Bonus 9 (CA Only)

The AssetShield Bonus 9 annuity is a perfect fit for those planning for retirement in CA. With easy and flexible premium payments, it offers the much-needed financial security. Plus, the bonus feature tops up your initial investment, giving you more bang for your buck!

With this annuity, you have the power to grow your investment with a diverse range of interest-earning strategies. Rest assured, you don't have to worry about outliving your resources. Start your journey to a financially secure retirement with AssetShield Bonus 9!

AssetShield Bonus 9 (CA Only)-brochure AssetShield Bonus 9 (CA Only)-brochure

AssetShield Bonus 9 (CA Only)

Your Email

Compare this annuity with 800+ others from 100+ companies

$

No agent will call you

About Product

Type
Fixed Index
Purpose
Accumulation
Premium Bonus
12%
Term
9 Years
Surrender schedule
7.35%
7.35%
7.25%
6.2%
5.1%
3.95%
2.75%
1.55%
0.8%
Fee withdrawal:
10%
Flexible premium
Product Life
Market Value Adjustment
Yes
Return Of Premium
No
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
Launch Date
03/15/2023
AssetShield Bonus 9 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: CA

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
1-Year BlackRock Adaptive U.S. Equity 7% PTP Participation Rate
Point to Point
Annual
100% Participation
1-Year BlackRock Adaptive U.S. Equity 7% PTP Participation Rate
Point to Point
Annual
150% Participation
2-Year BlackRock Adaptive U.S. Equity 7% 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 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
Penalty 7% 7% 7% 6% 5% 4% 3% 2% 1%

Hypothetical Projection

Comparison against S&P 500 using current rates
See if this annuity ranks in your top 3 for Ohio
$
!

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

Withdrawal Provisions

Penalty-Free Withdrawals10% 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%.

Company Founded: 1995
Excellent Rated Company
American Equity Investment Life Insurance Company
Company Ratings
4.5
  • A.M. Best A-
  • Fitch A-
  • S&P A
  • Comdex 58
Assets: $59,829,070,316
Iowa

You might also be interested in

James Alden Experienced Annuity Educator
25 years experience
3,712 career consultations
4 slots free for today
scheduling.
Your Name
Your Phone
Thank you for your trust! I have received your contact information. Please wait for a call within 30 minutes. 😌