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Fixed Indexed Annuity

American Equity AssetShield Bonus 10

American Equity Investment Life Insurance Company

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6%

Best S&P 500 Annual Cap

10%

Free W/D

49

Jurisdictions

Product data status: July 6, 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, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 6, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$222,695
Est. value at age 80 (American Equity AssetShield Bonus 10)
14%
Premium bonus offered
Dow Jones Industrial Average — 5% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. 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 (5% on Dow Jones Industrial Average) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 6, 2026.

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

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Live rate data

Run live numbers for American Equity AssetShield Bonus 10

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this American Equity Investment Life Insurance Company product.

Live product data

Rates as of July 6, 2026, based on the latest AdvisorWorld scan of CANNEX data.

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 termAdvisorWorld + 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

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. California, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

6% cap rate

Annual cap

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Monthly Point to Point · monthly sum cap

1.25% cap rate

Monthly cap

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Performance Rate Rider w/Strategy Fee

6.75% cap rate

Annual cap

PRR fee: 1.5%/yr

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

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

2.5% cap rate

Monthly sum

PRR fee: 1.5%/yr

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

3.25% trigger rate

Performance trigger

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

15% participation rate

Participation

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Performance Rate Rider w/Strategy Fee

35% participation rate

Participation

PRR fee: 1.5%/yr

1-year term · 10-year surrender · Premium band not shown

Nasdaq-100

Nasdaq-100 Index

5% cap rate

Annual cap

1-year term · 10-year surrender · Premium band not shown

Nasdaq-100

Nasdaq-100 Index

4% trigger rate

Performance trigger

1-year term · 10-year surrender · Premium band not shown

Dow Jones

Dow Jones Industrial Average

5% cap rate

Annual cap

1-year term · 10-year surrender · Premium band not shown

Dow Jones

Dow Jones Industrial Average

3.75% trigger rate

Performance trigger

1-year term · 10-year surrender · Premium band not shown

Fixed Account

Fixed Account

1.9% declared rate

Fixed account

1-year term · 10-year surrender · Premium band not shown

+ 32 additional crediting options (S&P 500, BNP Paribas, NYSE 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 filing.
  • 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.

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

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All crediting strategies

View rate listings (44 rows)

These are the current crediting strategy listings returned for this product. 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 · participation

10-yr surrender

Par: 125% · 1-yr

BNP Paribas Patriot Technology Index

Performance Rate Rider w/Strategy Fee · participation

10-yr surrender

Par: 85% · 1-yr

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

participation

10-yr surrender

Par: 75% · 1-yr

BNP Paribas Patriot Technology Index

participation

10-yr surrender

Par: 60% · 1-yr

NYSE Premier Index

Performance Rate Rider · participation

10-yr surrender

Par: 60% · 1-yr

Nasdaq Premier Index

Performance Rate Rider · participation

10-yr surrender

Par: 60% · 1-yr

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

Performance Rate Rider · participation

10-yr surrender

Par: 60% · 1-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider · participation

10-yr surrender

Par: 40% · 1-yr

BlackRock Adaptive US Equity 15% Index

participation

10-yr surrender

Par: 38% · 1-yr

NYSE Premier Index

participation

10-yr surrender

Par: 38% · 1-yr

Nasdaq Premier Index

participation

10-yr surrender

Par: 38% · 1-yr

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

participation

10-yr surrender

Par: 35% · 1-yr

S&P 500 Index

Performance Rate Rider w/Strategy Fee · participation

10-yr surrender

Par: 15% · 1-yr

S&P 500 Index

participation

10-yr surrender

Cap: 6.75% · 1-yr

S&P 500 Index

Performance Rate Rider w/Strategy Fee · cap

10-yr surrender

Cap: 6.5% · 1-yr

NYSE Premier Index

cap

10-yr surrender

Cap: 6.5% · 1-yr

Nasdaq Premier Index

cap

10-yr surrender

Cap: 6.5% · 1-yr

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

cap

10-yr surrender

Cap: 6% · 1-yr

S&P 500 Index

cap

10-yr surrender

Cap: 5% · 1-yr

Dow Jones Industrial Average

cap

10-yr surrender

Cap: 5% · 1-yr

Nasdaq-100 Index

cap

10-yr surrender

Trigger: 4.8% · 1-yr

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

trigger

10-yr surrender

Trigger: 4.75% · 1-yr

Nasdaq Premier Index

trigger

10-yr surrender

Trigger: 4% · 1-yr

Nasdaq-100 Index

trigger

10-yr surrender

Trigger: 3.75% · 1-yr

Dow Jones Industrial Average

trigger

10-yr surrender

Trigger: 3.25% · 1-yr

S&P 500 Index

trigger

10-yr surrender

Cap: 2.5% · 1-yr

S&P 500 Index

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

10-yr surrender

Fixed: 1.9% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 1.25% · 1-yr

S&P 500 Index

Monthly Point to Point · monthly_sum_cap

10-yr surrender

Par: 260% · 2-yr

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

Performance Rate Rider w/Strategy Fee · participation

10-yr surrender

Par: 160% · 2-yr

BNP Paribas Patriot Technology Index

Performance Rate Rider w/Strategy Fee · participation

10-yr surrender

Par: 110% · 2-yr

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

participation

10-yr surrender

Par: 100% · 2-yr

BNP Paribas Patriot Technology Index

participation

10-yr surrender

Par: 95% · 2-yr

NYSE Premier Index

Performance Rate Rider · participation

10-yr surrender

Par: 95% · 2-yr

Nasdaq Premier Index

Performance Rate Rider · participation

10-yr surrender

Par: 95% · 2-yr

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

Performance Rate Rider · participation

10-yr surrender

Par: 80% · 2-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider · participation

10-yr surrender

Par: 58% · 2-yr

NYSE Premier Index

participation

10-yr surrender

Par: 58% · 2-yr

Nasdaq Premier Index

participation

10-yr surrender

Par: 58% · 2-yr

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

participation

10-yr surrender

Par: 50% · 2-yr

BlackRock Adaptive US Equity 15% Index

participation

10-yr surrender

Cap: 14% · 2-yr

NYSE Premier Index

cap

10-yr surrender

Cap: 14% · 2-yr

Nasdaq Premier Index

cap

10-yr surrender

Cap: 14% · 2-yr

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

cap

10-yr surrender

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

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 applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; 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?

Up to 10% of your account value each year is penalty-free. The surrender period runs 10 years; after that you reach full liquidity. 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 current 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

14%

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 and joint

Contract conversion options should be confirmed before purchase.

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, Surrender waivers

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
S&PA
S&PA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

American Equity AssetShield Bonus 10 currently shows 44 distinct indexed or fixed crediting choices across 59 current rate listings, including S&P 500 Index, with 32 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 6% annual cap
  • S&P 500 Index: 1.25% monthly point-to-point cap
  • S&P 500 Index: 6.75% annual cap, Performance Rate Rider, 1.5% annual strategy fee
  • S&P 500 Index: 2.5% 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%/yr free withdrawal
  • 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

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

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