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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.25%
7-Year
6.00%
10-Year
5.80%

FlexShield 10

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Highlights

FlexShield 10 is a Single Premium Deferred Index Annuity. The FlexShield 10 is the next generation of accumulation-focused fixed index annuities, designed to protect Premium from index volatility, while maximizing the potential for growth. 
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
Term
10 Years
Surrender schedule
9.2%9%8%7%6%5%4%3%2%1%
Free withdrawal
1st year: 0%
2nd+ year: 10%
Market value adjustment
Return of premium
Launch date
11/15/2021
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, and Inherited IRA
Brochure
Open brochure

Find out if the FlexShield 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 
75-79: $750,000 
80: $500,000 

Withdrawal Provisions

Free Withdrawal
  • Up to 10% of contract value annually, starting year two
  • Systematic Withdrawal of interest only from the Fixed Interest Strategy, available after 30 days (beneļ¬t not guaranteed and subject to change)
Performance Value Enhancement Percentages
If FlexShield 10 contract is fully surrendered prior to the end of the strategy term, American Equity will add a performance value enhancement to the contract's surrender value. This enhancement will be equal to any performance value gains multiplied by the performance value enhancement percentage shown on the chart below based on the contract year:
90, 91, 92, 93, 94, 95, 96, 97, 98, 99, 100

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.5% Fixed
1-Year SG Global Sentiment PTP Participation Rate with -5% Floor
Point to Point
Annual
185% Participation
1-Year S&P 500 PTP Cap with -10% Floor
Point to Point
Annual
13% Cap
1-Year S&P 500 PTP Cap with -5% Floor
Point to Point
Annual
10% Cap
1-Year S&P 500 PTP Cap with -2.5% Floor
Point to Point
Annual
8.5% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.5% Cap
1-Year S&P 500 PTP Cap with -15% Floor
Point to Point
Annual
17% Cap
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Cap with -10% Floor
Point to Point
Annual
35% Cap
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Cap with -5% Floor
Point to Point
Annual
25% Cap
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Cap with -2.5% Floor
Point to Point
Annual
19% Cap
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Cap
Point to Point
Annual
16% Cap
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Cap with -15% Floor
Point to Point
Annual
40% Cap
1-Year SG Global Sentiment PTP Participation Rate with -10% Floor
Point to Point
Annual
205% Participation
1-Year BofA Destinations PTP Participation Rate with -15% Floor
Point to Point
Annual
235% Participation
1-Year SG Global Sentiment PTP Participation Rate with -2.5% Floor
Point to Point
Annual
155% Participation
1-Year SG Global Sentiment PTP Participation Rate
Point to Point
Annual
130% Participation
1-Year SG Global Sentiment PTP Participation Rate with -15% Floor
Point to Point
Annual
235% Participation
1-Year UBS Tech Edge PTP Participation Rate with -10% Floor
Point to Point
Annual
210% Participation
1-Year UBS Tech Edge PTP Participation Rate with -5% Floor
Point to Point
Annual
190% Participation
1-Year UBS Tech Edge PTP Participation Rate with -2.5% Floor
Point to Point
Annual
160% Participation
1-Year UBS Tech Edge PTP Participation Rate
Point to Point
Annual
135% Participation
1-Year UBS Tech Edge PTP Participation Rate with -15% Floor
Point to Point
Annual
240% Participation
1-Year BofA Destinations PTP Participation Rate with -10% Floor
Point to Point
Annual
205% Participation
1-Year BofA Destinations PTP Participation Rate with -5% Floor
Point to Point
Annual
185% Participation
1-Year BofA Destinations PTP Participation Rate with -2.5% Floor
Point to Point
Annual
155% Participation
1-Year BofA Destinations PTP Participation Rate
Point to Point
Annual
130% Participation

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

No Riders for FlexShield 10 annuity.

Waivers

Death

No Surrender Charges at death

Enhanced Benefit

Unavailable in states: CA

This rider provides both a qualified nursing care benefit and terminal illness benefit. After the first contract year, a one-time free withdrawal of up to 100% of the contract value is allowed if 1) the owner is confined to a qualified nursing care facility for a minimum of 90 days and confinement begins after the contract issue date; OR 2) the owner is diagnosed with a terminal illness after the contract is issued. Written proof is required. Included automatically for ages 75 and under for FlexShield 10.

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