What American Equity offers
American Equity specializes in annuities—primarily fixed index annuities (FIAs) like IncomeShield, EstateShield 10, BalanceShield 10, and the AssetShield Series, plus traditional fixed, and immediate annuities. The focus is on tax‑deferred growth, principal protection, and the ability to create guaranteed lifetime income through contract features and income riders. The company positions itself as the “Financial Dignity Company,” emphasizing tools, calculators, and client resources to support retirement income planning.
Product highlights
- Fixed Index Annuities: Indexed crediting options with downside protection; IncomeShield and EstateShield 10 pages promote lifetime income benefits and structured withdrawals.
- Traditional Fixed: Guaranteed rates for set periods, tax‑deferred accumulation, and optional payout schedules; used for conservative accumulation or laddering strategies.
- Immediate annuities: Turn a lump sum into predictable payments starting right away, helpful for retirees seeking near‑term income.
Why this benefits insurance agents
American Equity supports producers with a clear annuity lineup and practical infrastructure.
- Agent resources: Dedicated sections for product rate sheets, legislative/DOL updates, and virtual sales materials help streamline compliance and presentations.
- Income tools and training: Consumer‑friendly calculators, client videos, and retirement research simplify explaining indexed crediting vs. guaranteed income.
- Positioning flexibility: FIAs for balanced growth and protection; fixed for guaranteed rates; immediate for payout needs—covering diverse suitability profiles across ages and timelines.
Why this benefits customers
Customers can protect principal, grow tax‑deferred, and convert savings into lifetime income.
- Principal protection with upside potential via FIAs, avoiding direct market losses while participating in index crediting methods. IncomeShield/EstateShield emphasize reliable payout strategies.
- Simplicity and guarantees through traditional fixed annuities with known interest rates; predictable income via immediate annuities.
- Client resources and support: Videos, FAQs, beneficiary guidance, and login portals improve ongoing understanding and service.
Explore American Equity annuities
- Product menu and overview: American Equity Annuities ↗.
- IncomeShield: Discover the benefits of lifetime income ↗.
- EstateShield 10: Discover the benefits of lifetime income stream ↗.
- Traditional Fixed: American Equity Traditional Fixed Annuity ↗.
- Agent resources: Resources ↗.