Fixed Indexed Annuity
Enhanced Choice Index Plus 7
The Standard · AM Best A
S&P 500 annual cap
12%
CANNEX via AdvisorWorld · as of June 18, 2026
DB-backed product comparison
Enhanced Choice Index Plus 7 vs American Equity AssetShield 10
Decision-first comparison using current product data, carrier backing, review ratings, liquidity, surrender terms, rider mechanics, and sourced disclosures.
Live CANNEX-backed data via AdvisorWorld. Each figure below carries its source and as-of timing.
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VS
Fixed Indexed Annuity
American Equity AssetShield 10
American Equity Investment Life Insurance Company · AM Best A
S&P 500 annual cap
9.25%
CANNEX via AdvisorWorld · as of June 18, 2026
Auto-verdict
Enhanced Choice Index Plus 7 leads on top annual cap, fixed account rate, surrender period; American Equity AssetShield 10 leads on participation rate, performance trigger; carrier strength and liquidity are tied. This compares current accumulation metrics and is not a personalized recommendation.
- On top annual cap, Enhanced Choice Index Plus 7 has the higher figure (12% cap · S&P 500 · 1-yr point-to-point vs 9.25% cap · S&P 500 · 1-yr point-to-point); American Equity AssetShield 10 is lower.
- On fixed account rate, Enhanced Choice Index Plus 7 has the higher figure (4.25% fixed account vs 3.8% fixed account); American Equity AssetShield 10 is lower.
- On surrender period, Enhanced Choice Index Plus 7 has the lower figure (7 years surrender period vs 10 years surrender period); American Equity AssetShield 10 is higher.
- On participation rate, American Equity AssetShield 10 has the higher figure (185% participation · S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return · annual · 1.5% strategy fee vs 62% participation · S&P 500 · annual); Enhanced Choice Index Plus 7 is lower.
- On performance trigger, American Equity AssetShield 10 has the higher figure (8.5% trigger · S&P 500 Advantage 15% VT TCA Index (USD) ER · annual vs 7% trigger · S&P 500 · annual); Enhanced Choice Index Plus 7 is lower.
- On carrier strength, both show A AM Best.
- On liquidity, both show 10%/yr free withdrawal.
Auto-generated from live data, accumulation metrics only, not a recommendation.
Live side by side
Compare on the numbers
Only metrics that apply to this product type are shown. Missing applicable values show unavailable.
| Metric | Enhanced Choice Index Plus 7 | American Equity AssetShield 10 |
|---|---|---|
| Top annual capAnnual point-to-point cap; S&P 500 preferred when the live strategy set includes it. | 12% cap · S&P 500 · 1-yr point-to-pointLeading CANNEX via AdvisorWorld · as of June 18, 2026 | 9.25% cap · S&P 500 · 1-yr point-to-point CANNEX via AdvisorWorld · as of June 18, 2026 |
| Top participation rateAnnual participation strategy; not ranked against cap rates. | 62% participation · S&P 500 · annual CANNEX via AdvisorWorld · as of June 18, 2026 | 185% participation · S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return · annual · 1.5% strategy feeLeading CANNEX via AdvisorWorld · as of June 18, 2026 |
| Performance triggerAnnual trigger strategy returned by the live FIA strategy feed. | 7% trigger · S&P 500 · annual CANNEX via AdvisorWorld · as of June 18, 2026 | 8.5% trigger · S&P 500 Advantage 15% VT TCA Index (USD) ER · annualLeading CANNEX via AdvisorWorld · as of June 18, 2026 |
| Fixed account rateFixed account strategy when returned by the live feed. | 4.25% fixed accountLeading CANNEX via AdvisorWorld · as of June 18, 2026 | 3.8% fixed account CANNEX via AdvisorWorld · as of June 18, 2026 |
| AM Best ratingCarrier financial strength from the live product/rating feed when available. | A AM BestTie CANNEX via AdvisorWorld · as of June 18, 2026 | A AM BestTie CANNEX via AdvisorWorld · as of June 18, 2026 |
| Free withdrawalAnnual free-withdrawal percentage returned in product detail. | 10%/yr free withdrawalTie CANNEX via AdvisorWorld · as of June 18, 2026 | 10%/yr free withdrawalTie CANNEX via AdvisorWorld · as of June 18, 2026 |
| Surrender periodShorter surrender period is highlighted as more flexible. | 7 years surrender periodLeading CANNEX via AdvisorWorld · as of June 18, 2026 | 10 years surrender period CANNEX via AdvisorWorld · as of June 18, 2026 |
| Annual feeHighest annual rider or strategy fee returned; lower is highlighted. | 0.02% max annual rider/strategy feeLeading CANNEX via AdvisorWorld · as of June 18, 2026 | 3% max annual rider/strategy fee CANNEX via AdvisorWorld · as of June 18, 2026 |
| Income riderAvailability only; rider fit depends on payout, cost, and goals. | No income rider returnedTie CANNEX via AdvisorWorld · as of June 18, 2026 | No income rider returnedTie CANNEX via AdvisorWorld · as of June 18, 2026 |
| Minimum premiumLower minimum premium is highlighted as easier to access. | unavailable CANNEX via AdvisorWorld · as of June 18, 2026 | unavailable CANNEX via AdvisorWorld · as of June 18, 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.
Enhanced Choice Index Plus 7
S&P 500 annual cap · 12% annual cap
American Equity AssetShield 10
NYSE Premier Index annual cap · 12% annual cap
At a +15% index year, the credited-interest illustration is:
Enhanced Choice Index Plus 712%
American Equity AssetShield 1012%
Both credit the same here (12%).
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 live product figures from CANNEX via AdvisorWorld · as of June 18, 2026.
Common questions
Decision FAQs from the same numbers
Is Enhanced Choice Index Plus 7 or American Equity AssetShield 10 better for growth?
On top annual cap, Enhanced Choice Index Plus 7 has the higher figure (12% cap · S&P 500 · 1-yr point-to-point vs 9.25% cap · S&P 500 · 1-yr point-to-point); American Equity AssetShield 10 is lower. On participation rate, American Equity AssetShield 10 has the higher figure (185% participation · S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return · annual · 1.5% strategy fee vs 62% participation · S&P 500 · annual); Enhanced Choice Index Plus 7 is lower. On performance trigger, American Equity AssetShield 10 has the higher figure (8.5% trigger · S&P 500 Advantage 15% VT TCA Index (USD) ER · annual vs 7% trigger · S&P 500 · annual); Enhanced Choice Index Plus 7 is lower.
Is Enhanced Choice Index Plus 7 or American Equity AssetShield 10 better for income?
On income rider availability, both show No income rider returned. Rider availability is only one income input; payout rates, rider fees, start age, and state availability still need review.
Is Enhanced Choice Index Plus 7 or American Equity AssetShield 10 better for liquidity?
On liquidity, both show 10%/yr free withdrawal. On surrender period, Enhanced Choice Index Plus 7 has the lower figure (7 years surrender period vs 10 years surrender period); American Equity AssetShield 10 is higher. On annual fee, Enhanced Choice Index Plus 7 has the lower figure (0.02% max annual rider/strategy fee vs 3% max annual rider/strategy fee); American Equity AssetShield 10 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
Live product figures are sourced from CANNEX via the AdvisorWorld public API and are labeled with source and as-of timing. Product-type-specific rows are shown only when they apply; missing applicable values show unavailable and are not backfilled with stale figures.
The verdict is auto-generated from live 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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