ASSETSHIELD™ SERIES

Fixed Index Annuity

ASSET GROWTH ON YOUR CLIENT'S TIMELINE

The AssetShield series gives growth-minded clients opportunities to build their nest egg, without sacrificing any of their premium payments. There are multiple surrender charge periods to choose from with the AssetShield series, including the 5, 7 and 10 year options. Plus, the AssetShield BONUS 10-year which delivers a premium bonus on first-year payments. All AssetShield options offer ongoing growth potential with the ability to purchase higher crediting rates for a fee with the Performance Rate Rider. 

PREMIUM BONUS

The AssetShield BONUS 10 premium bonus allows you to put money to work from the start. Any premiums paid in year one are added to the contract value and receive a bonus 14% increase.

PERFORMANCE RATE RIDER

Clients can opt into increased caps or participation rates on elected crediting strategies, for a fee.

DIVERSE INDEX OPTIONS

BlackRock® Adaptive US Equity 7% Index 

This index is designed to deliver exposure to BlackRock’s iShares® Core S&P 500® ETF, three fixed income U.S. Treasury iShares® ETFs and a cash component, while adaptively rebalancing daily based on macro conditions.

Ticker: BAUSE7X

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BNPP Patriot Technology Index

The BNPP Patriot Technology Index is comprised of American companies with the potential to benefit from strategic investment in technologies as identified by the US Department of Defense Critical Technology List. It seeks to reduce geopolitical risk in an evolving global environment, while mitigating equity volatility through the incorporation of both money market instruments and bond futures that adapt to interest rate environment changes.
Ticker: PATRIOT
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Nasdaq Premier™ Index

The Index aims to provide a notional dynamic exposure to the Nasdaq-100 Index by using an adaptive strategy which applies an intraday trend-following mechanism and targets a 15% volatility level. The notional Index portfolio consists of a dynamic position in the Nasdaq-100 Total Return IndexTM and a dynamic position in Nasdaq-100® Index future contract and notional costs and fees are deducted. The Index seeks to achieve its volatility target with intraday rebalancing and by utilizing a proprietary signal developed by Salt Financial LLC, a third party data provider (“Salt”), which Salt calls the truVol® Scalars. The truVol® Scalars are used to increase or decrease portfolio exposure depending on a determination of whether the forecasted estimated volatility of the US large-cap equity market is high or low and increasing or decreasing.
Ticker: NDPREM
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NYSE® Premier Index

The Index aims to provide a notional dynamic exposure to the NYSE U.S. 500 Index by using an adaptive strategy which applies an intraday trend-following mechanism and targets a 15% volatility level. The notional Index portfolio consists of a dynamic position in the NYSE U.S. 500 Index and a dynamic position in US Large Cap future contracts and notional costs and fees are deducted. The Index seeks to achieve its volatility target with intraday rebalancing and by utilizing a proprietary signal developed by Salt Financial LLC, a third party data provider (“Salt”), which Salt calls the truVol® Scalars. The truVol® Scalars are used to increase or decrease portfolio exposure depending on a determination of whether the forecasted estimated volatility of the US large-cap equity market is high or low and increasing or decreasing.
Ticker: NYSEPREM
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S&P 500® (Equity only)

The Index includes 500 leading companies and captures approximately 80% of coverage available market capitalization. It is considered one of the best gauges of large-cap US equities and rebalances quarterly.
Ticker: SPX
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S&P 500® Dividend Aristocrats® Daily Risk Control 5% Excess Return Index

Index and a cash (interest-free) component. The underlying Aristocrats index includes equally weighted constituents that have followed a policy of consistently increasing dividends every year for at least 25 consecutive years.
Ticker: SPXD5UE
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S&P 500® Advantage 15% VT TCA Index (USD) ER

The S&P 500 Advantage 15% VT TCA Index (USD) ER applies an intraday risk control mechanism to provide exposure to the S&P 500 while targeting a 15% volatility level. The index rebalances through the trading day based on volatility observed in seven intraday windows and estimates of future market movements based on hypothetical option prices. The index seeks to take advantage of changing market conditions during the day by adjusting equity exposure up or down and includes a transaction cost adjustment (TCA).
Ticker: SPADV15E
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ASSETSHIELD IN ACTION

Let’s take a closer look at a couple of hypothetical examples where pre-retirees with different accumulation objectives may consider using the AssetShield 10 or AssetShield BONUS 10 for their retirement asset growth goals.
MEET CAROLYN
  • Married to Dan and in their mid-50's
  • Soon to be an empty nesters
  • Primary financial priority: Long-term retirement asset growth
  • Key concern: Protected long-term accumulation
MEET REGINALD
  • Single and in his late-50's
  • Recent promotion at work
  • Primary financial priority: Jumpstarting his retirement assets
  • Key concern: Nest egg boost with principal protection
     

ASSETSHIELD RESOURCES

Complete the AssetShield Series
Product Training

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Learn more about the AssetShield Series by contacting
the American Equity Sales Team:

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Annuity contract and Riders issued under form series ICC22 BASE-IDX-B, ICC22 BASE-IDX, ICC22 IDX-11-10, ICC22 IDX-10-10, ICC22 IDX-10-7, ICC22 IDX-10-5, ICC20 E-PTP-C, ICC20 E-MPTP-C, ICC20 E-PTP-PR, ICC24 E-BPT, ICC20 R-EBR, ICC20 R-ERR, 21 R-ERR, ICC16 R-MVA and state variations thereof. Availability may vary by product and state.


Bonus available on 1st year premiums. Each year after the 1st contract year, clients become vested in a percentage of the bonus, until 100% vested at the end of the 10th (9th in CA) contract year. Vested amounts of the bonus are the amounts not forfeited as a result of an early withdrawal or surrender. Bonus, surrender charges, and vesting schedules may vary by state. Caps performance trigger and participation rates may also be lower in contracts with a premium bonus. See brochure and disclosure for details.


Guarantees are based on the financial strength and claims paying ability of American Equity and are not guaranteed by any bank or insured by the FDIC.


Possible interest credits for money allocated to an index-linked crediting strategy are based upon performance of the specific index; however, fixed index annuities are not an investment, but an insurance product, and do not directly invest in the stock market or the index itself.


This is not a comprehensive overview of all the relevant features and benefits of the AssetShield fixed index annuity. See AssetShield sales brochure and disclosure for additional details.


This material is for informational purposes only, and is not a recommendation to buy, sell, hold or rollover any asset. It does not take into account the specific financial circumstances, investment objectives, risk tolerance, or need of any specific person. In providing this information American Equity Investment Life Insurance Company is not acting as a fiduciary as defined by the Department of Labor. American Equity does not offer legal, investment or tax advice or make recommendations regarding insurance or investment products. Each client has specific needs that should be discussed with a qualified legal or tax advisor.


The BlackRock Adaptive US Equity 7% Index (the “Index”) is a product of BlackRock Index Services, LLC and has been licensed for use by American Equity Investment Life Insurance Company (“American Equity”) as a component of AssetShield (the “Product”). BlackRock®, BlackRock Adaptive US Equity 7% Index™ and the corresponding logos are registered and unregistered trademarks of BlackRock. The Product is not sponsored, endorsed, sold or promoted by BlackRock Index Services, LLC, BlackRock, Inc. or any of its affiliates, or any of their respective third party licensors (including the Index calculation agent, as applicable) (collectively, “BlackRock”). BlackRock has no obligation or liability in connection with the administration or marketing of Product. BlackRock makes no representation or warranty, express or implied, to the owners of the Product or any member of the public regarding the advisability of investing the Product or the ability of the Index to track general market performance. BlackRock does not guarantee the adequacy, accuracy, timeliness and/or completeness of the Index or any data or communication related thereto nor does it have any liability for any errors, omissions or interruptions of the Index.


This product is not sponsored, endorsed, sold or promoted by BNP Paribas or any of its affiliates (collectively, “BNP Paribas”). Neither BNP Paribas nor any other party (including without limitation any calculation agents or data providers) makes any representation or warranty, express or implied, regarding the advisability of purchasing this product. BNPP Patriot Technology Index (the “Index”) is the exclusive property of BNP Paribas. BNP Paribas and the Index are service marks of BNP Paribas and have been licensed for use for certain purposes by American National Group, Inc. and its insurance company subsidiaries, including American Equity Investment Life Insurance Company. Neither BNP Paribas nor any other party has or will have any obligation or liability to owners of this product in connection with the administration or marketing of this product, and neither BNP Paribas nor any other party guarantees the accuracy and/or the completeness of the Index or any data included therein.


Citi is a registered trademark and service mark of Citigroup Inc. or its affiliates and is used and registered throughout the world utilized under license and agreement. Nasdaq®, Nasdaq-100®, Nasdaq-100 Total Return™ Index, and XNDX® are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the “Corporations”) and are being utilized under license and agreement by American Equity Investment Life Insurance Company in connection with this fixed index annuity product (the “Product”). truVol® is a trademark of Salt Financial LLC (“Salt”). The Product is not designed, sponsored, endorsed, sold, underwritten, distributed, promoted, issued or administered by Citigroup, the Corporations or Salt, and no such party makes any representation regarding the advisability of purchasing such Product. None of Citigroup, the Corporations or Salt gives any express or implied warranties, including, but not limited to, any warranties of merchantability or fitness for a particular purpose or use. In no event shall Citigroup, the Corporations or Salt be liable for any direct, indirect, special or consequential damages in connection with any use of Citigroup’s, the Corporations’ or Salt’s data and information.


Citi is a registered trademark and service mark of Citigroup Inc. or its affiliates and is used and registered throughout the world utilized under license and agreement. NYSE®, ICE®, and NYSE® U.S. 500 Index, are registered trademarks of Intercontinental Exchange, LLC or its affiliates (which are collectively referred to as “IDI”) and are being utilized under license and agreement by American Equity Investment Life Insurance Company in connection with this fixed index annuity product (the “Product”). truVol® is a trademark of Salt Financial LLC (“Salt”). The Product is not designed, sponsored, endorsed, sold, underwritten, distributed, promoted, issued or administered by Citigroup, IDI or Salt, and no such party makes any representation regarding the advisability of purchasing such Product. None of Citigroup, IDI or Salt gives any express or implied warranties, including, but not limited to, any warranties of merchantability or fitness for a particular purpose or use. In no event shall Citigroup, IDI or Salt be liable for any direct, indirect, special or consequential damages in connection with any use of Citigroup’s, IDI’ or Salt’s data and information.


The Nasdaq PremierTM Index and the NYSE® Premier Index are administered and published by Citigroup, which has contracted with certain data providers to provide intellectual property that is used by Citigroup for the construction and design of such indices.


The S&P 500® is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and the S&P 500® Advantage 15% VT TCA Index (USD) ER, a product of SPDJI and BofA Securities, Inc. (collectively, the “Indices”), and have been licensed for use by American Equity Investment Life Insurance Company (“AEL”). S&P®, S&P 500®, US 500™, The 500™ are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and have been licensed for certain purposes by AEL. AEL’s insurance products based on the Indices are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, or BofA Securities, Inc. and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Indices.