American Equity IncomeShield product logo
Fixed Index Annuity (FIA)
American Equity IncomeShield product logo
Fixed Index Annuity (FIA)

Discover the benefits of lifetime income

Preparing for retirement can be an exciting time, but it also can be stressful with the concerns of financially preparing for the unexpected. Do you have financial stability if an unplanned issue with health care costs or housing expenses arises?

Fixed index annuities like the IncomeShield Series can help provide the financial dignity of knowing you have guaranteed lifetime income in your retirement portfolio. Plus, there’s also the other important guaranteed benefits of principal protection from index volatility, index-linked crediting strategies and tax-deferral.
IncomeShield Series
There are several options when it comes to IncomeShield that aim to suit your retirement needs adapt to life’s challenges and deliver income that cannot be outlived.
American Equity IncomeShield 7 product logo
 
American Equity IncomeShield 10 product logo
 
American Equity IncomeShield 9 product logo
Available only in California
Key Benefits in IncomeShield
Premium bonus for IncomeShield at American Equity
Premium bonus
The first year premium paid on certain American Equity IncomeShield products receives a bonus percentage credited to the contract value and income account value that vests over time. This affords contract owners the ability to jump start their retirement revenue pool.
Locked-In Growth for IncomeShield at American Equity
Locked-In Growth
Our product design provides the ability to lock in any interest credited to the contract without risk of losing money when an index decreases.
Lifetime Income Benefit Rider for IncomeShield at American Equity
Lifetime Income Benefit Rider

Multiple Lifetime Income Benefit Rider (LIBR) options are available with the IncomeShield series. The LIBR helps secure a lifelong income source for owners 40+ at issue. The income payment amount to be received is measured by an income account value that is credited over time.   


There are a variety of rider options available with different income generation and distribution features that vary by product. These options include different interest crediting methods, accumulation periods and potential fees. Wellbeing Benefit riders are also available, allowing for increases in income payments for qualified care-related conditions detailed in the contract. There is a two-year waiting period before the benefit can be activated.

Premium bonus for IncomeShield at American Equity
Premium bonus
The first year premium paid on certain American Equity IncomeShield products receives a bonus percentage credited to the contract value and income account value that vests over time. This affords contract owners the ability to jump start their retirement revenue pool.
Locked-In Growth for IncomeShield at American Equity
Locked-In Growth
Our product design provides the ability to lock in any interest credited to the contract without risk of losing money when an index decreases.
Lifetime Income Benefit Rider for IncomeShield at American Equity
Lifetime Income Benefit Rider

Multiple Lifetime Income Benefit Rider (LIBR) options are available with the IncomeShield series. The LIBR helps secure a lifelong income source for owners 40+ at issue. The income payment amount to be received is measured by an income account value that is credited over time.   


There are a variety of rider options available with different income generation and distribution features that vary by product. These options include different interest crediting methods, accumulation periods and potential fees. Wellbeing Benefit riders are also available, allowing for increases in income payments for qualified care-related conditions detailed in the contract. There is a two-year waiting period before the benefit can be activated.

Ready to discover more?

Connect with your financial professional to explore how an annuity fits into your retirement portfolio. If you don’t have one, please contact us and we will help you connect with someone in your area.

Only Incomeshield 9 available in California


Annuity Contracts and riders issued under form series ICC22 BASE-IDX, ICC22 BASE-IDX-B, ICC22 IDX-11-10, ICC22 IDX-10-7, ICC20 E-PTP-C, ICC20 E-PTP-PR, ICC20 E-MPTP-C, ICC16 R-MVA, ICC20 R-EBR, ICC20 R-LIBR-FCP, ICC20 R-LIBR-FSP, ICC20 R-LIBR-W-FSP, ICC20 R-LIBR-W-FCP and state variations thereof. Availability may vary by state.


Bonus available on 1st year premiums. Each year after the 1st contract year, you become vested in a percentage of the bonus, until 100% vested at the end of the 10th 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. See brochure and disclosure for details.


Withdrawal charges may apply to an annuity. Interest earnings in an annuity are not taxed until withdrawn. Annuity withdrawals and distributions may be subject to income tax and, if withdrawals or distributions are taken prior to age 59½, a 10% federal penalty tax may apply.


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.


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 your 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. Please consult a qualified professional.