What is a fixed index annuity?
The power of a fixed index annuity
- Protection of principal in down years and growth opportunities in up years
- Tax-deferred growth until a withdrawal is made
- Ability to choose from a variety of index strategies that are used to calculate interest
- Liquidity that offers access to a percentage of funds
- May avoid probate to help create a legacy for beneficiaries
- Guaranteed income that cannot be outlived with the Lifetime Income Benefit Rider*
American Equity's fixed index annuities
Income now and for life
- Five Lifetime Income Benefit Rider options
- Options for increased income payments under certain circumstances
- Bonus products available
Balance when you need it most
- Innovative Balanced Interest Strategies with six index linked options
- Gains-to-Date feature helps maximize mid-term withdrawals
- Choose when to lock in an index price, track values daily online
Growth on your timeline
- Five year, seven year and longer surrender charge schedules
- Variety of index crediting strategies to maximize growth opportunities
- Bonus products available
Income with legacy opportunity
- Benefits account value bonus on first year premium
- Options for increasing income payments
- Enhanced death benefits
Income now and for life
- Five Lifetime Income Benefit Rider options
- Options for increased income payments under certain circumstances
- Bonus products avaliable
Balance when you need it most
- Innovative Balanced Interest Strategies with six index linked options
- Gains-to-Date feature helps maximize mid-term withdrawals
- Choose when to lock in an index price, track values daily online
Growth on your timeline
- Five year, seven year and longer surrender charge schedules
- Variety of index crediting strategies to maximize growth opportunities
- Bonus products available
Income with legacy opportunity
- Benefits account value bonus on first year premium
- Options for increasing income payments
- Enhanced death benefits
Income now and for life
- Five Lifetime Income Benefit Rider options
- Options for increased income payments under certain circumstances
- Bonus products avaliable
Balance when you need it most
- Innovative Balanced Interest Strategies with six index linked options
- Gains-to-Date feature helps maximize mid-term withdrawals
- Choose when to lock in an index price, track values daily online
Growth on your timeline
- Five year, seven year and longer surrender charge schedules
- Variety of index crediting strategies to maximize growth opportunities
- Bonus products available
Income with legacy opportunity
- Benefits account value bonus on first year premium
- Options for increasing income payments
- Enhanced death benefits
Income now and for life
- Five Lifetime Income Benefit Rider options
- Options for increased income payments under certain circumstances
- Bonus products avaliable
Balance when you need it most
- Innovative Balanced Interest Strategies with six index linked options
- Gains-to-Date feature helps maximize mid-term withdrawals
- Choose when to lock in an index price, track values daily online
Growth on your timeline
- Five year, seven year and longer surrender charge schedules
- Variety of index crediting strategies to maximize growth opportunities
- Bonus products available
Income with legacy opportunity
- Benefits account value bonus on first year premium
- Options for increasing income payments
- Enhanced death benefits
Income now and for life
- Five Lifetime Income Benefit Rider options
- Options for increased income payments under certain circumstances
- Bonus products avaliable
Balance when you need it most
- Innovative Balanced Interest Strategies with six index linked options
- Gains-to-Date feature helps maximize mid-term withdrawals
- Choose when to lock in an index price, track values daily online
Growth on your timeline
- Five year, seven year and longer surrender charge schedules
- Variety of index crediting strategies to maximize growth opportunities
- Bonus products available
Income with legacy opportunity
- Benefits account value bonus on first year premium
- Options for increasing income payments
- Enhanced death benefits
Ready to discover more?
*Not available on all products or issue ages. A Rider fee may be deducted from the Contract Value each year the rider is attached to the contract.
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.
Features and benefits may vary by product and state. Please review the contract or product disclosure for more information.
Annuities are products of the insurance industry and are not guaranteed by any bank or insured by the FDIC.
Guarantees are based on the financial strength and claims paying ability of American Equity.
The content is provided for informational purposes only and does not constitute advice. For specific details on how this may apply to your personal situation, contact your personal financial advisor or insurance agent for more details. American Equity contracts are only sold through independent agents. Please contact your state insurance department to see if there is an independent insurance agent in your area appointed to sell American Equity annuity contracts.
Tax Interpretations: Neither American Equity Investment Life Insurance Company® nor any of its agents or representatives give tax, legal or investment advice. Consult a qualified advisor.