DB-backed product comparison

American Equity AssetShield 9 vs Growth Commander 10

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 9

American Equity Investment Life Insurance Company

Best cap

35%

A.M. Best

Free withdrawal

10%

Surrender period

9 yrs

Crediting strategies

Fixed Account3.8% fixed

S&P 500 Index40% par

S&P 500 Index9.25% cap

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

S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return180% par

S&P 500 Index2% cap

Surrender schedule

Yr 1: 8.3%Yr 2: 8.25%Yr 3: 7.25%Yr 4: 6.25%Yr 5: 5.2%Yr 6: 4.2%Yr 7: 3.15%Yr 8: 2.1%Yr 9: 1%

Minimum premium: Varies
State availability: 1 state

View product page

Fixed Indexed Annuity

Growth Commander 10

Americo Financial Life and Annuity Insurance Company

Best cap

11.75%

A.M. Best

Free withdrawal

10%

Surrender period

10 yrs

Crediting strategies

Fixed Account3.95% fixed

S&P 500 Index7.85% cap

S&P 500 Index11.7% cap

S&P 500 IQ 0.5% Decrement Index11.75% cap

S&P 500 IQ 0.5% Decrement Index65% par

S&P 500 IQ 0.5% Decrement Index90% par

Surrender schedule

Yr 1: 9%Yr 2: 8.7%Yr 3: 7.8%Yr 4: 6.8%Yr 5: 5.9%Yr 6: 4.9%Yr 7: 3.9%Yr 8: 3%Yr 9: 2%Yr 10: 1%

Minimum premium: Varies
State availability: 48 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 rates Income comparison

Want a personalized version?

Use the public comparison freely. A personalized report is optional when you want projections based on your age, state, premium, and goals.

Optional report request