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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.30%
7-Year
6.00%
10-Year
5.80%

IncomeShield 9 without LIBR (CA Only)

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Highlights

IncomeShield 9 is a fixed index annuity designed to help protect hard-earned dollars from index fluctuations while offering interest growth opportunities based on increases in an index.
Available in states: CA
Type
Fixed Index
Purpose Accumulation
Premium Bonus
10%
Term
9 Years
Surrender schedule
7.35%7.35%7.25%6.2%5.1%3.95%2.75%1.55%0.8%
Free withdrawal
1st year: 0%
2nd+ year: 10%
Flexible premium Product Life
Market value adjustment
Return of premium
Launch date
03/19/2018
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 IncomeShield 9 without LIBR (CA Only) is the right product for you.

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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
Contract owners must choose how to allocate the initial premium. Additional premium payments can be made subject to our approval. Additional premiums are automatically allocated to the Fixed Interest Strategy and may be subject to different rates. The contract values may be reallocated between strategies on the contract anniversary, subject to a minimum allocation value of $1,000 each.
Additional premium payments can be added either lump sum or systematic whenever.
 
Note: TSP funds have to be rolled into an IRA.

Withdrawal Provisions

Free Withdrawals
This is an opportunity each year (after the first contract year) to take Free Withdrawals up to 10% of the Contract Value.  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%.
Systematic Withdrawal of interest only from the Fixed Value, available after 30 days.

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
1.1% Fixed
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
15% Participation
2-Year BlackRock Adaptive U.S. Equity 5% PTP Participation Rate
Point to Point
Biennial
70% Participation
1-Year BlackRock Adaptive U.S. Equity 5% PTP Participation Rate
Point to Point
Annual
50% Participation
2-Year SG Global Sentiment PTP Participation rate
Point to Point
Biennial
70% Participation
1-Year SG Global Sentiment PTP Participation rate
Point to Point
Annual
50% Participation
2-Year UBS Tech Edge PTP Participation rate
Point to Point
Biennial
70% Participation
1-Year UBS Tech Edge PTP Participation rate
Point to Point
Annual
50% Participation
2-Year BofA Destinations PTP Participation rate
Point to Point
Biennial
70% Participation
1-Year BofA Destinations PTP Participation rate
Point to Point
Annual
50% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
10% Participation
2-Year S&P 500 PTP Cap
Point to Point
Biennial
3.75% Cap
2-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate
Point to Point
Biennial
55% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate
Point to Point
Annual
40% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Cap
Point to Point
Annual
2.5% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
1% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
1.75% Cap

Surrender schedule

Year 1 2 3 4 5 6 7 8 9
Penalty 7% 7% 7% 6% 5% 4% 3% 2% 1%

Riders

No Riders for IncomeShield 9 without LIBR (CA Only) annuity.

Waivers

Death

No Surrender Charges at Death

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