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Fixed Indexed Annuity

American Equity AssetShield Bonus 10

American Equity

6%

Best S&P 500 Annual Cap

49

Available jurisdictions

Product data status: October 14, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what American Equity AssetShield Bonus 10 would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer
Illustrative — live CANNEX rates as of October 14, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$339,958
Gross crediting illustration at age 80 (American Equity AssetShield Bonus 10)
Excludes the 1.5% current Performance Rate Rider charge; 0.95% current Enhanced Bonus and Liquidity Rider charge. This is not a net contract value.
17%
Premium bonus offered

Gross crediting illustration for each line; excludes the 1.5% current Performance Rate Rider charge; 0.95% current Enhanced Bonus and Liquidity Rider charge.

S&P 500 Index — 7.75% Cap (Performance Rate Rider w/Strategy Fee · Annual)
✦
How crediting works: the cap limits positive index returns; a down index year has 0% index credit before rider charges. This illustration deducts no rider charge and is not a net contract value. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies American Equity AssetShield Bonus 10's published cap rate (7.75% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Gross crediting only: this illustration excludes the 1.5% current Performance Rate Rider charge; 0.95% current Enhanced Bonus and Liquidity Rider charge reported in the source. The supplied charge data does not establish a deduction frequency or basis. This charge is not deducted, and no net contract value is shown. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $17,000 premium bonus (17%) = $117,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of October 14, 2026.

Free Comparison Report

Get an American Equity AssetShield Bonus 10 rate report

See how American Equity AssetShield Bonus 10 compares for your age, state, premium, and income goals alongside other American Equity fixed indexed annuity options.

rate data

Run numbers for American Equity AssetShield Bonus 10

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this American Equity product.

Live product data

Rates as of October 14, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

6% cap on S&P 500

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.

1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers willing to commit to a full ten-year surrender term in exchange for an up-front premium bonus on every dollar of premium, who want recognizable S&P 500 cap exposure as the core of the allocation alongside a broader-than-usual proprietary index menu and a choice between standard no-fee strategies and fee-bearing Performance Rate Rider variants.

AM Best

A Excellent

Surrender period

10 years

Availability

49 jurisdictions (excl. California, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

6% cap rate

Rate effective Oct 14, 2026

Annual point-to-point

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Monthly Point to Point

1.2% cap rate

Rate effective Oct 14, 2026

Monthly sum

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Performance Rate Rider w/Strategy Fee

7.75% cap rate

Rate effective Oct 14, 2026

Annual point-to-point

PRR fee: 1.5%/yr

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Monthly PTP w/Performance Rate Rider,Strategy Fee

2.45% cap rate

Rate effective Oct 14, 2026

Monthly sum

PRR fee: 1.5%/yr

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Performance Rate Rider w/Strategy Fee

7.75% cap rate

Annual point-to-point

PRR fee not shown

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Monthly PTP w/Performance Rate Rider,Strategy Fee

2.45% cap rate

Monthly sum

PRR fee not shown

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

3.3% trigger rate

Rate effective Oct 14, 2026

Performance trigger

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

16% participation rate

Rate effective Oct 14, 2026

Annual point-to-point

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Performance Rate Rider w/Strategy Fee

35% participation rate

Rate effective Oct 14, 2026

Annual point-to-point

PRR fee: 1.5%/yr

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Performance Rate Rider w/Strategy Fee

35% participation rate

Annual point-to-point

PRR fee not shown

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

Nasdaq-100

Nasdaq-100 Index

5% cap rate

Annual point-to-point

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

Nasdaq-100

Nasdaq-100 Index

4% trigger rate

Performance trigger

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

Nasdaq-100

Nasdaq-100 Index

Rate not shown

Rate effective Oct 14, 2026

Annual point-to-point

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

Nasdaq-100

Nasdaq-100 Index

Rate not shown

Rate effective Oct 14, 2026

Performance trigger

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

Dow Jones

Dow Jones Industrial Average

5% cap rate

Annual point-to-point

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

Dow Jones

Dow Jones Industrial Average

3.75% trigger rate

Performance trigger

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

Dow Jones

Dow Jones Industrial Average

Rate not shown

Rate effective Oct 14, 2026

Annual point-to-point

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

Dow Jones

Dow Jones Industrial Average

Rate not shown

Rate effective Oct 14, 2026

Performance trigger

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

1.85% declared rate

Rate effective Oct 14, 2026

Fixed account

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

+ 50 additional crediting options (S&P 500, NYSE Premier, Nasdaq Premier...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Contract pays a published premium bonus on every dollar of premium at issue, applied up front to the account value — this is the structural difference between AssetShield Bonus 10 and the non-bonus AssetShield 10 sibling on the same chassis, and the trade for the bonus is the longer ten-year surrender ladder. Read the bonus rate and any vesting or recapture terms in the bonus section before reading any crediting number on this page.
  • Index menu spans recognizable benchmarks (S&P 500, Nasdaq-100, Dow Jones Industrial Average) alongside several volatility-controlled and sector indexes (NYSE Premier, Nasdaq Premier, BNP Paribas Patriot Technology, BlackRock Adaptive US Equity 15%, S&P 500 Dividend Aristocrats Daily Risk Control 5%, S&P 500 Advantage 15% VT TCA), with cap, participation-rate, and performance-trigger crediting mechanics all available inside a single contract.
  • Every index strategy is offered in two flavors on the same contract — a standard no-fee version and a 'Performance Rate Rider' variant that publishes a higher cap or participation rate in exchange for a strategy fee — and most strategies are available on both one-year and two-year crediting periods, so a buyer who prefers a longer crediting cadence can hold it without leaving the contract.
  • Standard annual free-withdrawal allowance plus three surrender-charge waivers (bail-out provision, nursing-home waiver, terminal-illness waiver) are written into the base contract, and carrier financial strength is rated by more than one independent agency, so the strength view is not a single-source read.

What to confirm

  • This contract is NOT an income product. There is no optional GLWB rider in the live feed and no Protected Income Value mechanism on this chassis — the only optional features are surrender-charge waivers for nursing-home and terminal-illness events, which waive the penalty on withdrawals but do not guarantee a lifetime income stream. Buyers needing a contractually guaranteed lifetime withdrawal rate should look at American Equity's IncomeShield series instead, not this contract.
  • The premium bonus is the reason for the long surrender commitment. The surrender ladder on this contract runs a full ten years before reaching zero — far longer than the five-year AssetShield 5 and the seven-year AssetShield filings in the same family, and the lockup is the carrier's mechanism for funding the bonus. Treat the bonus as a long-deferral incentive, not free up-front money, and read any bonus vesting or recapture terms in the carrier brochure before assuming the bonus is fully yours on day one — a full surrender before the bonus is fully earned can give back part of what was credited at issue.
  • Many of the highest publicly headlined rates on this contract are 'Performance Rate Rider w/Strategy Fee' variants — a fee-bearing enhancement that pays a higher cap or participation rate on the same index in exchange for an allocation charge deducted regardless of index performance. The PRR cap is NOT directly comparable to a standard cap on the same index at face value, and the rider charge can materially reduce the realized credit in a flat-or-down index year. Read the fee column on the strategy table before reading the headline number.
  • Several of the alternative indexes are proprietary, volatility-controlled, or sector-concentrated (NYSE Premier, Nasdaq Premier, BNP Paribas Patriot Technology, BlackRock Adaptive US Equity 15%, S&P 500 Dividend Aristocrats Daily Risk Control 5%, S&P 500 Advantage 15% VT TCA). Their participation rates look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each strategy on its own merits. The guaranteed-minimum cap and declared-rate floors are very low, so caps can reset down toward those floors over the ten-year surrender term, and the death benefit is the standard cash-surrender-value design with no roll-up or step-up.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider (look at the IncomeShield series instead), want a built-in Protected Income Value income mechanism, are not willing to lock up for a full ten years for the bonus, expect a death-benefit roll-up beyond cash surrender value, or want the headline cap to come from a no-fee version of the highest-rate strategy — none of those are what AssetShield Bonus 10 is built to deliver.

Free Comparison Report

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See how American Equity AssetShield Bonus 10 compares for your age, state, premium, and income goals alongside other American Equity fixed indexed annuity options.

All crediting strategies

View rate listings (87 strategies)

These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, or rate type.

Par: 170% · 1-yr

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

Performance Rate Rider w/Strategy Fee · Point-to-point · 1.5% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Par: 170% · 1-yr

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

Performance Rate Rider w/Strategy Fee · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 85% · 1-yr

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

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Par: 85% · 1-yr

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

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 58% · 1-yr

NYSE Premier Index

Performance Rate Rider · Point-to-point · 1.5% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Par: 58% · 1-yr

Nasdaq Premier Index

Performance Rate Rider · Point-to-point · 1.5% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Par: 58% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Performance Rate Rider · Point-to-point · 1.5% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Par: 58% · 1-yr

NYSE Premier Index

Performance Rate Rider · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 58% · 1-yr

Nasdaq Premier Index

Performance Rate Rider · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 58% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Performance Rate Rider · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 58% · 1-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 58% · 1-yr

BNP Paribas Patriot Technology 15 Index

Performance Rate Rider w/Strategy Fee · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 37% · 1-yr

BlackRock Adaptive US Equity 15% Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 35% · 1-yr

S&P 500 Index

Performance Rate Rider w/Strategy Fee · Point-to-point · 1.5% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Par: 35% · 1-yr

NYSE Premier Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Par: 35% · 1-yr

Nasdaq Premier Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Par: 35% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Par: 35% · 1-yr

S&P 500 Index

Performance Rate Rider w/Strategy Fee · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 35% · 1-yr

NYSE Premier Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 35% · 1-yr

Nasdaq Premier Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 35% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 35% · 1-yr

BNP Paribas Patriot Technology 15 Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 16% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Par: 16% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Cap: 7.75% · 1-yr

S&P 500 Index

Performance Rate Rider w/Strategy Fee · Point-to-point · 1.5% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Cap: 7.75% · 1-yr

S&P 500 Index

Performance Rate Rider w/Strategy Fee · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Cap: 6.25% · 1-yr

NYSE Premier Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Cap: 6.25% · 1-yr

Nasdaq Premier Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Cap: 6.25% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Cap: 6.25% · 1-yr

NYSE Premier Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Cap: 6.25% · 1-yr

Nasdaq Premier Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Cap: 6.25% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Cap: 6.25% · 1-yr

BNP Paribas Patriot Technology 15 Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Cap: 6% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Cap: 6% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Cap: 5% · 1-yr

Dow Jones Industrial Average

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Cap: 5% · 1-yr

Nasdaq-100 Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Trigger: 4.5% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Trigger: 4.5% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Performance trigger

Requested state: TX10-yr surrenderDoes not vary by premium

Trigger: 4.5% · 1-yr

Nasdaq Premier Index

Performance trigger

Requested state: TX10-yr surrenderDoes not vary by premium

Trigger: 4% · 1-yr

Nasdaq-100 Index

Performance trigger

Requested state: TX10-yr surrenderDoes not vary by premium

Trigger: 3.75% · 1-yr

Dow Jones Industrial Average

Performance trigger

Requested state: TX10-yr surrenderDoes not vary by premium

Trigger: 3.3% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Trigger: 3.3% · 1-yr

S&P 500 Index

Performance trigger

Requested state: TX10-yr surrenderDoes not vary by premium

Cap: 2.45% · 1-yr

S&P 500 Index

Monthly PTP w/Performance Rate Rider,Strategy Fee · Monthly sum · 1.5% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Cap: 2.45% · 1-yr

S&P 500 Index

Monthly PTP w/Performance Rate Rider,Strategy Fee · Monthly sum

Requested state: TX10-yr surrenderDoes not vary by premium

Fixed: 1.85% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Fixed: 1.85% · 1-yr

Fixed Account

Fixed account

Requested state: TX10-yr surrenderDoes not vary by premium

Cap: 1.2% · 1-yr

S&P 500 Index

Monthly Point to Point · Monthly sum · 0% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Cap: 1.2% · 1-yr

S&P 500 Index

Monthly Point to Point · Monthly sum

Requested state: TX10-yr surrenderDoes not vary by premium

Rate not shown · 1-yr

BlackRock Adaptive US Equity 15% Index

Point-to-point

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Rate not shown · 1-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider · Point-to-point

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Rate not shown · 1-yr

Dow Jones Industrial Average

Point-to-point

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Rate not shown · 1-yr

Nasdaq-100 Index

Point-to-point

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Rate not shown · 1-yr

Nasdaq Premier Index

Performance trigger

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Rate not shown · 1-yr

BNP Paribas Patriot Technology 15 Index

Point-to-point

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Rate not shown · 1-yr

BNP Paribas Patriot Technology 15 Index

Performance Rate Rider w/Strategy Fee · Point-to-point

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Par: 255% · 2-yr

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

Performance Rate Rider w/Strategy Fee · Point-to-point · 1.5% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Par: 255% · 2-yr

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

Performance Rate Rider w/Strategy Fee · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 110% · 2-yr

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

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Par: 110% · 2-yr

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

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 90% · 2-yr

NYSE Premier Index

Performance Rate Rider · Point-to-point · 3% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Par: 90% · 2-yr

Nasdaq Premier Index

Performance Rate Rider · Point-to-point · 3% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Par: 90% · 2-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Performance Rate Rider · Point-to-point · 3% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Par: 90% · 2-yr

NYSE Premier Index

Performance Rate Rider · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 90% · 2-yr

Nasdaq Premier Index

Performance Rate Rider · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 90% · 2-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Performance Rate Rider · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 90% · 2-yr

BNP Paribas Patriot Technology 15 Index

Performance Rate Rider w/Strategy Fee · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 80% · 2-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 55% · 2-yr

NYSE Premier Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Par: 55% · 2-yr

Nasdaq Premier Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Par: 55% · 2-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Par: 55% · 2-yr

NYSE Premier Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 55% · 2-yr

Nasdaq Premier Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 55% · 2-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 55% · 2-yr

BNP Paribas Patriot Technology 15 Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 52% · 2-yr

BlackRock Adaptive US Equity 15% Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Cap: 13% · 2-yr

NYSE Premier Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Cap: 13% · 2-yr

Nasdaq Premier Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Cap: 13% · 2-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Cap: 13% · 2-yr

NYSE Premier Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Cap: 13% · 2-yr

Nasdaq Premier Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Cap: 13% · 2-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Rate not shown · 2-yr

BlackRock Adaptive US Equity 15% Index

Point-to-point

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Rate not shown · 2-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider · Point-to-point

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Rate not shown · 2-yr

BNP Paribas Patriot Technology 15 Index

Point-to-point

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Rate not shown · 2-yr

BNP Paribas Patriot Technology 15 Index

Performance Rate Rider w/Strategy Fee · Point-to-point

Requested state: TXRate effective Oct 14, 202610-yr surrenderDoes not vary by premium

Other contract riders and charges

Performance Rate Rider

Published rider charge: 1.5% (current). This charge is separate from strategy crediting rates. Confirm charge frequency and basis in the carrier contract.

Enhanced Bonus and Liquidity Rider

Published rider charge: 0.95% (current). This charge is separate from strategy crediting rates. Confirm charge frequency and basis in the carrier contract.

Accumulation profile

Accumulation-focused contract

The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about American Equity AssetShield Bonus 10

● Can I lose money in American Equity AssetShield Bonus 10?

A negative index return by itself does not reduce the contract's account value: American Equity AssetShield Bonus 10 credits 0% — the floor — for that indexed period. The account value can still decrease from published strategy fees, withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do American Equity AssetShield Bonus 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available American Equity AssetShield Bonus 10 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

3

Bail out provisions, Nursing home waiver, Terminal illness waiver

Premium bonus

17%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

0.50%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

1.00%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

0.50%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single life

Published payout options from the normalized contract facts.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9.1%

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%

After

0%

Nursing home waiver, Terminal illness waiver

Documents

product guide

American Equity AssetShield BONUS 10 Sales Brochure-2.pdf

Confidence: highReviewed Apr 1, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA
FitchA
S&PA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

American Equity AssetShield Bonus 10 currently shows 87 indexed or fixed crediting options, including S&P 500 Index, with 65 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing strategy variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 6% annual cap, 0% annual strategy fee
  • S&P 500 Index: 1.2% monthly point-to-point cap, 0% annual strategy fee
  • S&P 500 Index: 7.75% annual cap, Performance Rate Rider, 1.5% annual strategy fee
  • S&P 500 Index: 2.45% monthly point-to-point cap, Performance Rate Rider, 1.5% annual strategy fee

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as American Equity AssetShield BONUS 10 Sales Brochure-2.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

Get an American Equity AssetShield Bonus 10 rate report

See how American Equity AssetShield Bonus 10 compares for your age, state, premium, and income goals alongside other American Equity fixed indexed annuity options.

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