American Equity
A Des Moines–based, A-rated carrier focused exclusively on retirement income — and part of Brookfield Wealth Solutions since 2024.
Financial strength
A
A.M. Best
A
S&P Global
A
Fitch
Newsweek — 4 years running
Named one of Newsweek’s Most Trustworthy Companies in America four consecutive years.
A-rated carrier
A.M. Best A, S&P Global A, and Fitch A financial-strength ratings.
500,000+ retirements
Says it has funded more than half a million retirements nationwide.
30+ years
Founded in 1995; headquartered in the Des Moines, Iowa area for more than three decades.
Brookfield-backed
Part of Brookfield Wealth Solutions (formerly Brookfield Reinsurance) since May 2024.
Run live numbers on American Equity products
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Income FIAs
Selected product: American Equity IncomeShield 10 (1-year)
An income-focused fixed indexed annuity group for comparing rider-driven lifetime-income scenarios.
Other current products
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Explore American Equity products
American Equity’s lineup, grouped by what each product group is built to do. Current rates are pulled from the daily carrier rate service.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with caps, participation rates, and fixed-account options surfaced from live product data.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages carry current rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before opening a product page for the full live strategy set.
American Equity AssetShield 5 (1-year)
A short-surrender (five-year) fixed indexed annuity from an A-rated carrier, structured for accumulation rather than guaranteed income — no GLWB rider, no Protected Income Value, with a cap-, participation-, and trigger-led index menu spanning S&P 500, Nasdaq-100, Dow Jones, and several proprietary volatility-controlled indexes, plus an optional fee-bearing 'Performance Rate Rider' enhancement on most strategies.
S&P 500 annual cap rate
8%
American Equity AssetShield 7 (1-year)
A seven-year-surrender fixed indexed annuity from an A-rated carrier in American Equity's accumulation-focused AssetShield family — no income rider, a broad crediting menu spanning S&P 500, Nasdaq-100, Dow Jones, and several proprietary volatility-controlled indexes, with an optional fee-bearing Performance Rate Rider that lifts caps and participation rates.
S&P 500 annual cap rate
8.75%
American Equity AssetShield 9 (2-year)
A nine-year-surrender fixed indexed annuity from an A-rated carrier, accumulation-focused with no income rider — a broad crediting menu spanning S&P 500, Nasdaq-100, and Dow Jones caps, participation strategies, trigger strategies, and proprietary volatility-controlled indexes.
Cap Rate
35%
American Equity AssetShield 10 (2-year)
A ten-year-surrender fixed indexed annuity from an A-rated carrier — the long-surrender flagship of American Equity's AssetShield line — built for accumulation across a broad menu of cap, participation, trigger and monthly-sum strategies on roughly nine indexes, with no income rider and no premium bonus.
S&P 500 annual cap rate
9.25%
American Equity AssetShield Bonus 5 - Option 1 (1-year)
A five-year-surrender, A-rated fixed indexed annuity from American Equity with a small day-one premium bonus and the highest-crediting tier in the AssetShield Bonus 5 series — a recognizable S&P 500 annual point-to-point cap is available alongside several proprietary participation, trigger, and dividend-tilted strategies, with no income rider attached.
S&P 500 annual cap rate
6%
American Equity AssetShield Bonus 5 - Option 2 (1-year)
A short five-year-surrender bonus FIA from an A-rated carrier — Option 2 of three premium-bonus variants in American Equity's AssetShield Bonus 5 series, structured for accumulation (no income rider) with a middle-of-the-ladder bonus size and a cap/participation index menu spanning recognizable benchmarks and proprietary volatility-controlled indexes.
S&P 500 annual cap rate
5.25%
American Equity AssetShield Bonus 5 - Option 3 (1-year)
A five-year-surrender bonus FIA from an A-rated carrier — Option 3 of three premium-bonus variants in American Equity's AssetShield Bonus 5 series, structured for accumulation (no income rider) with the largest bonus and the lowest ongoing crediting rates of the three Options, across an index menu spanning recognizable benchmarks and proprietary volatility-controlled indexes.
S&P 500 annual cap rate
4.75%
American Equity AssetShield Bonus 9 (2-year)
The premium-bonus variant of American Equity's AssetShield 9 chassis — an A-rated, nine-year-surrender fixed indexed annuity that pays a large up-front premium bonus into the account value, with an S&P 500 annual point-to-point cap, a participation-rate option on a proprietary daily-risk-control index, and a declared fixed account, but no income rider.
Cap Rate
14%
American Equity AssetShield Bonus 10 (2-year)
A premium-bonus fixed indexed annuity from an A-rated carrier in American Equity's accumulation-focused AssetShield family, paired with a ten-year surrender ladder that funds the bonus economics — no income rider, no Protected Income Value, with a broad cap-, participation-, and trigger-led index menu spanning S&P 500, Nasdaq-100, Dow Jones, and several proprietary volatility-controlled indexes, plus an optional fee-bearing Performance Rate Rider that lifts caps and participation rates on most strategies.
S&P 500 annual cap rate
6%
Rates are pulled live from CANNEX via the AdvisorWorld data feed · 2026-06-26. Caps, payout rates, and guaranteed rates vary by state, premium band, and rider election — confirm current terms on each product page.
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Find your fit
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How lifetime income builds
See how a guaranteed-income benefit can turn a premium into lifetime income using this carrier’s current income terms.
Lifetime withdrawal rate
5%
Base-growth terms
Not published
no roll-up or income-base bonus returned
Annual fee
—
not published
Premium
$100,000
Income calculation value
$100,000
Annual lifetime income
$5,000
Shows this income option’s 5% guaranteed lifetime withdrawal rate applied to your premium. Current data did not publish a separate income-base roll-up or income-base bonus for this option — confirm base-growth terms in a carrier illustration.
Financial strength
A.M. Best
CurrentA
Excellent — 3rd highest of 15
Effective 2024-11-27
American Equity Financial Strength page · current rating check
S&P Global
A
Strong financial-strength rating
Effective 2024-05-06
About American Equity
American Equity was founded in 1995 by David J. Noble, who launched the company after roughly five decades in the insurance industry. It has been headquartered in the Des Moines, Iowa area for more than three decades.
Founded 1995 · American Equity — Who We Are; companieshistory.com
The company focuses on the retirement-savings market and states that it has funded “more than half a million retirements” nationwide.
As of 2026-06-17 · American Equity — Who We Are
In May 2024, American Equity became part of Brookfield Wealth Solutions (formerly Brookfield Reinsurance); the acquisition closed on May 2, 2024. The business continues to operate under the American Equity brand.
Closed 2024-05-02 · Brookfield acquisition completion release
American Equity has been named one of Newsweek’s “Most Trustworthy Companies in America” for four consecutive years.
As of 2026-04-01 · American Equity press release
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Sources
- American Equity — Who We Are (american-equity.com/about) — 2026-06-17
- American Equity — Financial Strength (A.M. Best / S&P / Fitch as published) — 2026-06-17
- American Equity product pages — GuaranteeShield, AssetShield, IncomeShield, EstateShield — 2026-06-17
- Brookfield Reinsurance completes acquisition of American Equity — 2024-05-02
- American Equity named to Newsweek’s Most Trustworthy Companies (4th year) — 2026-04-01
- Live rates and A.M. Best rating: CANNEX via the AdvisorWorld public API (fetched at render) — At render