American Equity Investment Life Holding
American Equity Investment Life Holding Company is a leading provider of guaranteed income solutions, specializing in the design, development, and sale of fixed indexed and fixed-rate annuity products distributed through independent agents and broker-dealers. The company offers products including IncomeShield, AssetShield, EstateShield, and GuaranteeShield annuities, providing retirees with lifetime income, principal protection, tax-deferred growth, and legacy planning options.
Features
Fixed Index Annuities (FIAs) such as IncomeShield, AssetShield, and EstateShield that provide index-linked growth potential with protection from market downside, tax-deferred growth, and guaranteed lifetime income options.
GuaranteeShield fixed annuity products offering guaranteed interest rates, principal protection, tax-deferred growth, and flexible withdrawal options for conservative retirement savers.
Immediate annuity contracts converting lump sums into guaranteed income payments starting within 12 months, available for lifetime or fixed periods of 5 to 25 years.
Guaranteed lifetime income riders and payout options ensuring customers cannot outlive their retirement savings regardless of market performance.
Multiple index crediting options including S&P 500, BlackRock Adaptive U.S. Equity, BNPP Patriot Technology Index, Nasdaq Premier, and NYSE Premier indices.
Annuity products distributed exclusively through a network of independent insurance agents and broker-dealers, providing broad access for retirement planning clients.
Use Cases
Creating guaranteed lifetime income streams for retirees concerned about outliving their savings, providing predictable monthly income regardless of market conditions.
Protecting retirement assets from market losses while still participating in index-linked growth during favorable market conditions.
Accumulating retirement savings on a tax-deferred basis, allowing compound growth without annual tax liability until withdrawals begin.
Using EstateShield annuities to combine retirement income security with legacy planning to pass assets to heirs.
Providing a low-risk alternative to market investments for pre-retirees seeking guaranteed growth through fixed annuity products.
Integrations
Integration with national and regional broker-dealer networks to distribute annuity products through registered investment advisors and insurance agents.
Compatibility with financial planning software used by independent agents to illustrate and recommend annuity products to clients.