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DB-backed product comparison

American Equity AssetShield 10 vs Strategic Growth Annuity

Compare current product data, carrier backing, rates, liquidity, surrender terms, and rider mechanics. This page is part of the product-level evidence behind AnnuityRatesHQ annuity rates.

Fixed Indexed Annuity

American Equity AssetShield 10

American Equity Investment Life Insurance Company

Best cap

35%

A.M. Best

A

Free withdrawal

10%

Surrender period

10 yrs

Crediting strategies

Fixed Account3.8% fixed

D

S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return100% par

A

S&P 500 Index40% par

A

S&P 500 Index9.25% cap

A

S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return185% par

A

S&P 500 Index55% par

A

Surrender schedule

Yr 1: 9.2%Yr 2: 9%Yr 3: 8%Yr 4: 7%Yr 5: 6%Yr 6: 5%Yr 7: 4%Yr 8: 3%Yr 9: 2%Yr 10: 1%
Minimum premium
Varies
State availability
49 states
View product page

Fixed Indexed Annuity

Strategic Growth Annuity

Security Benefit Life Insurance Company

Best cap

14.5%

A.M. Best

A-

Free withdrawal

10%

Surrender period

10 yrs

Crediting strategies

Fixed Account4.75% fixed

D

S&P 500 Index9.25% cap

A

S&P 500 Index52% par

A

S&P 500 Index80% par

A

S&P 500 Index11.75% cap

A

S&P 500 Index63% par

A

Surrender schedule

Yr 1: 9%Yr 2: 8.1%Yr 3: 7.2%Yr 4: 6.3%Yr 5: 5.4%Yr 6: 4.5%Yr 7: 3.6%Yr 8: 2.7%Yr 9: 1.8%Yr 10: 0.9%
Minimum premium
Varies
State availability
50 states
View product page

How to read this comparison

Compare the product job, not just the headline number.

These pages support the main annuity rates experience by showing why two products are not interchangeable. Rates matter, but surrender terms, liquidity, rider mechanics, state availability, and carrier strength decide whether a product actually fits.

Rate context

Caps, participation rates, spreads, and fixed buckets show how each FIA creates accumulation potential.

Control

Free-withdrawal and surrender terms are visible because liquidity can be worth as much as a small rate difference.

Carrier backing

Guarantees are backed by the issuing insurer, so carrier ratings and product availability belong next to the rate table.

Use the comparison as a starting point.

Then go back to the main rate pages to see the broader market, or run the whole-income comparison when income guarantees are the question.

All FIA ratesIncome comparison

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