American Equity Investment Life Insurance Company

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FlexShield 10

The FlexShield 10 annuity turns your retirement savings into a guaranteed income stream. No more worrying about market ups and downs - your retirement fund is safe and secure.

Easy to set up and administer, FlexShield 10 offers flexibility and stability, ensuring a worry-free and prosperous retirement. It's an investment in your peace of mind.

FlexShield 10

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Investment

Your Gender

Your Age

Retire At

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About Product

Type

Fixed Index

Purpose

Accumulation

Term

10 Years

Surrender schedule

9.2%

Fee withdrawal:

10%

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, and Inherited IRA

Launch Date

11/15/2021

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.

Performance Floor
Contract owners can select the maximum percentage of their Performance Value Gains they're willing to risk in order to receive higher cap and participation rate.

Automatic Floor Adjustments
As the Performance Value begins to accumulate interest, the contract will automatically adjust ot the new FLoor Limits on each contract anniversary, up to the selected maximum. Ther Performance Floor can be adjusted manually and each contract anniverasary as well.

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	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%

Hypothetical Projection

Comparison against S&P 500 using current rates

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Investment Amount

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.

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 WithdrawalUp to 10% of contract value annually, starting year twoSystematic Withdrawal of interest only from the Fixed Interest Strategy, available after 30 days (beneﬁt not guaranteed and subject to change)Performance Value Enhancement PercentagesIf 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

Company Founded: 1995

Excellent Rated Company

American Equity Investment Life Insurance Company

Company Ratings

4.5