On top annual cap, FG AccumulatorPlus 7 has the higher figure (14% cap · S&P 500 · 1-yr point-to-point vs 9.5% cap · S&P 500 · 1-yr point-to-point); American Equity AssetShield 9 is lower.
On participation rate, FG AccumulatorPlus 7 has the higher figure (285% participation · Goldman Sachs Global Factor Index · annual · 1.25% strategy fee vs 195% participation · S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return · annual · 1.5% strategy fee); American Equity AssetShield 9 is lower.
On performance trigger, FG AccumulatorPlus 7 has the higher figure (9.25% trigger · S&P 500 · annual · 1.25% strategy fee vs 8.5% trigger · S&P 500 Advantage 15% VT TCA Index (USD) ER · annual); American Equity AssetShield 9 is lower.
On fixed account rate, American Equity AssetShield 9 has the higher figure (4.6% fixed account vs 4.15% fixed account); FG AccumulatorPlus 7 is lower.
On minimum premium, American Equity AssetShield 9 has the lower figure ($5,000 minimum premium vs $10,000 minimum premium); FG AccumulatorPlus 7 is higher.
On carrier strength, both show A AM Best.
On liquidity, both show 10%/yr free withdrawal.

Auto-generated from the displayed data, accumulation metrics only, not a recommendation.

side by side

Compare on the numbers

Only metrics that apply to this product type are shown. Missing applicable values show unavailable.

Metric	FG AccumulatorPlus 7	American Equity AssetShield 9
Top annual capAnnual point-to-point cap; S&P 500 preferred when the strategy set includes it.	14% cap · S&P 500 · 1-yr point-to-pointLeading CANNEX via AdvisorWorld · rates as of October 22, 2026	9.5% cap · S&P 500 · 1-yr point-to-point CANNEX via AdvisorWorld · rates as of October 22, 2026
Top participation rateAnnual participation strategy; not ranked against cap rates.	285% participation · Goldman Sachs Global Factor Index · annual · 1.25% strategy feeLeading CANNEX via AdvisorWorld · rates as of October 22, 2026	195% participation · S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return · annual · 1.5% strategy fee CANNEX via AdvisorWorld · rates as of October 22, 2026
Performance triggerAvailable annual trigger strategy from the FIA feed.	9.25% trigger · S&P 500 · annual · 1.25% strategy feeLeading CANNEX via AdvisorWorld · rates as of October 22, 2026	8.5% trigger · S&P 500 Advantage 15% VT TCA Index (USD) ER · annual CANNEX via AdvisorWorld · rates as of October 22, 2026
Fixed account rateAvailable fixed account strategy when present in the feed.	4.15% fixed account CANNEX via AdvisorWorld · rates as of October 22, 2026	4.6% fixed accountLeading CANNEX via AdvisorWorld · rates as of October 22, 2026
AM Best ratingCarrier financial strength from the product/rating feed when available.	A AM BestTie CANNEX via AdvisorWorld · rates as of October 22, 2026	A AM BestTie CANNEX via AdvisorWorld · rates as of October 22, 2026
Free withdrawalAvailable annual free-withdrawal percentage for the product.	10%/yr free withdrawalTie CANNEX via AdvisorWorld · rates as of October 22, 2026	10%/yr free withdrawalTie CANNEX via AdvisorWorld · rates as of October 22, 2026
Surrender periodShorter surrender period is highlighted as more flexible.	7 years surrender periodLeading CANNEX via AdvisorWorld · rates as of October 22, 2026	9 years surrender period CANNEX via AdvisorWorld · rates as of October 22, 2026
Annual feeHighest listed annual rider or strategy fee; lower is highlighted.	1.25% max annual rider/strategy feeLeading CANNEX via AdvisorWorld · rates as of October 22, 2026	3% max annual rider/strategy fee CANNEX via AdvisorWorld · rates as of October 22, 2026
Income riderAvailability only; rider fit depends on payout, cost, and goals.	No income rider listedTie CANNEX via AdvisorWorld · rates as of October 22, 2026	No income rider listedTie CANNEX via AdvisorWorld · rates as of October 22, 2026
Minimum premiumLower minimum premium is highlighted as easier to access.	$10,000 minimum premium CANNEX via AdvisorWorld · rates as of October 22, 2026	$5,000 minimum premiumLeading CANNEX via AdvisorWorld · rates as of October 22, 2026

Scenario tool

Which one credits more in one index year?

Head-to-head crediting

Applies each product's live annual strategy rate to one hypothetical index year.

Illustrative, not a projection

Hypothetical index return

FG AccumulatorPlus 7

S&P 500 annual cap · 14% annual cap

American Equity AssetShield 9

NYSE Premier Index annual cap · 12% annual cap

At a +15% index year, the credited-interest illustration is:

FG AccumulatorPlus 714%

American Equity AssetShield 912%

FG AccumulatorPlus 7 credits more here (14% vs 12%).

American Equity AssetShield 9: The slider represents an equity-style index move; the shown Vol-Controlled credit reflects the shared family guardrail.

Assumptions: one hypothetical index year, one allocation to the displayed annual strategy for each product, and a 0% floor. Caps, trigger rates, participation rates, renewal rates, allocations, and state availability can change. This is educational only and is not a carrier-approved illustration.

Illustrative tool inputs use product figures from CANNEX via AdvisorWorld · rates as of October 22, 2026.

Common questions

Decision FAQs from the same numbers

Is FG AccumulatorPlus 7 or American Equity AssetShield 9 better for growth?

On top annual cap, FG AccumulatorPlus 7 has the higher figure (14% cap · S&P 500 · 1-yr point-to-point vs 9.5% cap · S&P 500 · 1-yr point-to-point); American Equity AssetShield 9 is lower. On participation rate, FG AccumulatorPlus 7 has the higher figure (285% participation · Goldman Sachs Global Factor Index · annual · 1.25% strategy fee vs 195% participation · S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return · annual · 1.5% strategy fee); American Equity AssetShield 9 is lower. On performance trigger, FG AccumulatorPlus 7 has the higher figure (9.25% trigger · S&P 500 · annual · 1.25% strategy fee vs 8.5% trigger · S&P 500 Advantage 15% VT TCA Index (USD) ER · annual); American Equity AssetShield 9 is lower.

Is FG AccumulatorPlus 7 or American Equity AssetShield 9 better for income?

On income rider availability, both show No income rider listed. Rider availability is only one income input; payout rates, rider fees, start age, and state availability still need review.

Is FG AccumulatorPlus 7 or American Equity AssetShield 9 better for liquidity?

On liquidity, both show 10%/yr free withdrawal. On surrender period, FG AccumulatorPlus 7 has the lower figure (7 years surrender period vs 9 years surrender period); American Equity AssetShield 9 is higher. On annual fee, FG AccumulatorPlus 7 has the lower figure (1.25% max annual rider/strategy fee vs 3% max annual rider/strategy fee); American Equity AssetShield 9 is higher.

How to read this comparison

Compare the product job, not just one number.

Rates matter, but surrender terms, liquidity, rider mechanics, state availability, and carrier strength decide whether a product actually fits.

Rate context

Caps, participation rates, triggers, 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.

Disclosures and sources

Displayed product figures are sourced from CANNEX via AdvisorWorld and are labeled with their true source date. Product-specific values are shown only when they apply; missing applicable values show unavailable.

The verdict is auto-generated from the available accumulation metrics only and is not a recommendation. The crediting and guaranteed-growth tools are illustrative, use the stated assumptions, and are not projections, quotes, or carrier-approved illustrations.

Rates vary by state, premium band, and issue age. Caps and participation rates can change. Annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured. Educational only.

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.

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