Annuities

What is an annuity?

An annuity is a contract between you and an insurance company purchased in a lump sum or through a series of recurring premium payments. Annuities are sold by licensed insurance agents and are regulated by state departments of insurance.
Annuities: The American Equity Promise
Securing a financially independent future begins today with sound retirement planning and building a dependable source for lifetime income. As a hard-working individual, you take your finances seriously. You have invested your time and energy in order to create and sustain a quality of life that suits you and your family. Just like you insure your home, health, and car, an annuity provides insurance for your nest egg. At American Equity, we strive to provide stable annuity products backed by our company’s financial strength, disciplined investment practices and award-winning customer service.
How Do Annuities Work?
The annuity is backed by the financial strength and claims-paying ability of the issuing company. Annuities are one of the only stable money products that can guarantee practical retirement solutions, such as protecting hard-earned dollars and generating income that cannot be outlived.

There are a variety of annuities available that you can discuss with a financial professional. The two most common categories are fixed annuities and variable annuities. These annuities have different methods of earning interest on the contract value. Fixed annuities guarantee an interest rate that will never be less than zero, even if the market goes down. Variable annuities earn returns based on the performance of the investment portfolio. A return is not guaranteed and the contract value may go up or down.
Graph demonstrating how annuities work
How Do Annuities Work?
The annuity is backed by the financial strength and claims-paying ability of the issuing company. Annuities are one of the only stable money products that can guarantee practical retirement solutions, such as protecting hard-earned dollars and generating income that cannot be outlived.

There are a variety of annuities available that you can discuss with a financial professional. The two most common categories are fixed annuities and variable annuities. These annuities have different methods of earning interest on the contract value. Fixed annuities guarantee an interest rate that will never be less than zero, even if the market goes down. Variable annuities earn returns based on the performance of the investment portfolio. A return is not guaranteed and the contract value may go up or down.
Annuities at American Equity
American Equity Fixed Index Annuities Icon
Fixed Index Annuities
Principal protection with the potential for growth based on an external index.
Discover Fixed Index Annuities >
American Equity Fixed Annuities Icon
Fixed Annuities
A guaranteed minimum interest rate and tax-deferred growth.
American Equity Immediate Annuities Icon
Immediate Annuities
Steady income for a specific period of time or lifetime income that begins within 12 months of a signed contract.
Fixed Index Annuities
Principal protection with the potential for growth based on an external index.
Fixed Annuities
A guaranteed minimum interest rate and tax-deferred growth.
Immediate Annuities
Steady income for a specific period of time or lifetime income that begins within 12 months of a signed contract.
Fixed Index Annuities
Principal protection with the potential for growth based on an external index.
Fixed Annuities
A guaranteed minimum interest rate and tax-deferred growth.
Immediate Annuities
Steady income for a specific period of time or lifetime income that begins within 12 months of a signed contract.
Fixed Index Annuities
Principal protection with the potential for growth based on an external index.
Fixed Annuities
A guaranteed minimum interest rate and tax-deferred growth.
Immediate Annuities
Steady income for a specific period of time or lifetime income that begins within 12 months of a signed contract.
Fixed Index Annuities
Principal protection with the potential for growth based on an external index.
Fixed Annuities
A guaranteed minimum interest rate and tax-deferred growth.
Immediate Annuities
Steady income for a specific period of time or lifetime income that begins within 12 months of a signed contract.

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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. 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 consider 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.

Annuity features, benefits, and limitations vary by product and state. Please review the product sales brochure and disclosure for additional details.