American Equity Investment Life Insurance Company

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Annuity review

IncomeShield 9 without LIBR (CA Only)

The IncomeShield 9 is a fantastic product for retirees. Guaranteed income for life is what sets this product apart. You folks in sunny California are lucky, it offers an impressive blend of growth and security tailored just for you!

The terms are very clear, and the customer service was exceptional. Get ready to wave goodbye to market volatility, roll out your hammock, and enjoy a worry-free retirement with IncomeShield 9. Start relishing your golden years now!

IncomeShield 9 without LIBR (CA Only)

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About Product

Type

Fixed Index

Purpose

Accumulation

Premium Bonus

10%

Term

9 Years

Surrender schedule

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

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, 1035 Exchange, Inherited IRA, NQ Stretch, and TSP

Launch Date

03/19/2018

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

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	2.1% Fixed
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	35% Participation
2-Year BlackRock Adaptive U.S. Equity 5% PTP Participation Rate	Point to Point Biennial	150% Participation
1-Year BlackRock Adaptive U.S. Equity 5% PTP Participation Rate	Point to Point Annual	100% 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	25% Participation
2-Year S&P 500 PTP Cap	Point to Point Biennial	7.5% Cap
2-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate	Point to Point Biennial	130% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate	Point to Point Annual	90% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Cap	Point to Point Annual	8% Cap
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	1.35% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	3.5% 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

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Investment Amount

Riders

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

Waivers

Death

No Surrender Charges at Death

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 WithdrawalsThis 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.

Company Founded: 1995

Excellent Rated Company

American Equity Investment Life Insurance Company

Company Ratings

4.5