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Fixed Indexed Annuity

American Equity AssetShield Bonus 9

American Equity Investment Life Insurance Company

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6%

Best S&P 500 Annual Cap

10%

Free W/D

California

Only state

Product data status: July 15, 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 9 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 15, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$253,872
Est. value at age 80 (American Equity AssetShield Bonus 9)
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 9'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. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $14,000 premium bonus (14%) = $114,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of July 15, 2026.

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See how American Equity AssetShield Bonus 9 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 9

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 15, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

6% cap on S&P 500

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.

1-year term9-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Accumulation-focused California buyers who want a large day-one premium bonus credited to the account value and are willing to accept a longer nine-year surrender lockup and a structurally lower headline cap on the S&P 500 strategy in exchange, with recognizable S&P 500 cap exposure plus a lower-volatility participation-rate alternative inside one contract from a multi-agency-rated carrier.

AM Best

A Excellent

Surrender period

9 years

Free withdrawal

10%/yr

Availability

California only

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

6% cap rate

Annual cap

1-year term · 9-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Monthly Point to Point · monthly sum cap

1.25% cap rate

Monthly cap

1-year term · 9-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 cap

PRR fee: 1.5%/yr

1-year term · 9-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

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

2.5% cap rate

Monthly sum

Strategy fee: 1.5%/yr

1-year term · 9-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

3.25% trigger rate

Performance trigger

1-year term · 9-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

15% participation rate

Participation

1-year term · 9-year surrender · Does not vary by premium

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 · 9-year surrender · Does not vary by premium

Nasdaq-100

Nasdaq-100 Index

5% cap rate

Annual cap

1-year term · 9-year surrender · Does not vary by premium

Nasdaq-100

Nasdaq-100 Index

4% trigger rate

Performance trigger

1-year term · 9-year surrender · Does not vary by premium

Dow Jones

Dow Jones Industrial Average

5% cap rate

Annual cap

1-year term · 9-year surrender · Does not vary by premium

Dow Jones

Dow Jones Industrial Average

3.75% trigger rate

Performance trigger

1-year term · 9-year surrender · Does not vary by premium

Fixed Account

Fixed Account

1.9% declared rate

Fixed account

1-year term · 9-year surrender · Does not vary by premium

+ 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 large up-front premium bonus on every dollar of premium, applied to the account value at issue — the 'Bonus' designation in the name comes from this credit, which the base AssetShield 9 chassis does not carry. Read the bonus rate and any vesting schedule in the bonus section before reading any crediting number on this page.
  • Crediting menu pairs a recognizable S&P 500 Index annual point-to-point cap with a participation-rate allocation on a dividend-aristocrats daily-risk-control excess-return index, giving the buyer one clean apples-to-apples cap alongside a lower-volatility participation alternative inside the same contract.
  • A declared fixed-rate bucket sits alongside the index strategies, so a buyer can park part of the premium in a non-indexed allocation without leaving the contract.
  • Carrier financial-strength is rated by more than one independent agency (A.M. Best and Standard & Poor's), so the strength view on this page is not a single-source read.

What to confirm

  • This is not a guaranteed-lifetime-withdrawal product. The API returns no income rider and no Protected Income Value chassis on this contract — do not compare its payout side-by-side with a rider-led or PIV-led income FIA. The only optional contract features published here are nursing-home, terminal-illness, and other surrender waivers, none of which is a lifetime-income guarantee.
  • The premium bonus is paid for through structurally tighter crediting and a longer surrender horizon than the base AssetShield 9 chassis: the headline S&P 500 cap on the bonus variant runs materially lower than the cap on the non-bonus sibling, and the surrender schedule runs the full nine years. Read the bonus as a deferred trade for lower headline crediting and longer lockup, not as free money on top of the same caps.
  • The death benefit on this contract is the carrier's standard death benefit with no roll-up and no step-up — heirs receive the contract value under the standard rules, not an account-value bump or a rolled-up income base, so buyers prioritizing a guaranteed legacy enhancement should evaluate that separately.
  • This contract is currently state-restricted to California only on this rollout — buyers outside California will see this product as unavailable, and the comparable sibling for other states is the non-bonus AssetShield 9 (a different filing with its own crediting and surrender terms).

Not ideal for

Buyers who need a guaranteed lifetime withdrawal rate from a GLWB rider or a Protected Income Value income mechanism, prefer a shorter surrender commitment, want the highest published cap on the AssetShield 9 chassis without the bonus tradeoff, expect an account-value or rolled-up death benefit, or live outside California — none of those are what this contract is built to deliver.

Free Comparison Report

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See how American Equity AssetShield Bonus 9 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

9-yr surrenderDoes not vary by premium

Par: 125% · 1-yr

BNP Paribas Patriot Technology Index

Performance Rate Rider w/Strategy Fee · participation

9-yr surrenderDoes not vary by premium

Par: 85% · 1-yr

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

participation

9-yr surrenderDoes not vary by premium

Par: 75% · 1-yr

BNP Paribas Patriot Technology Index

participation

9-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

NYSE Premier Index

Performance Rate Rider · participation

9-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

Nasdaq Premier Index

Performance Rate Rider · participation

9-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

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

Performance Rate Rider · participation

9-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider · participation

9-yr surrenderDoes not vary by premium

Par: 40% · 1-yr

BlackRock Adaptive US Equity 15% Index

participation

9-yr surrenderDoes not vary by premium

Par: 38% · 1-yr

NYSE Premier Index

participation

9-yr surrenderDoes not vary by premium

Par: 38% · 1-yr

Nasdaq Premier Index

participation

9-yr surrenderDoes not vary by premium

Par: 38% · 1-yr

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

participation

9-yr surrenderDoes not vary by premium

Par: 35% · 1-yr

S&P 500 Index

Performance Rate Rider w/Strategy Fee · participation

9-yr surrenderDoes not vary by premium

Par: 15% · 1-yr

S&P 500 Index

participation

9-yr surrenderDoes not vary by premium

Cap: 7.75% · 1-yr

S&P 500 Index

Performance Rate Rider w/Strategy Fee · cap

9-yr surrenderDoes not vary by premium

Cap: 6.5% · 1-yr

NYSE Premier Index

cap

9-yr surrenderDoes not vary by premium

Cap: 6.5% · 1-yr

Nasdaq Premier Index

cap

9-yr surrenderDoes not vary by premium

Cap: 6.5% · 1-yr

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

cap

9-yr surrenderDoes not vary by premium

Cap: 6% · 1-yr

S&P 500 Index

cap

9-yr surrenderDoes not vary by premium

Cap: 5% · 1-yr

Dow Jones Industrial Average

cap

9-yr surrenderDoes not vary by premium

Cap: 5% · 1-yr

Nasdaq-100 Index

cap

9-yr surrenderDoes not vary by premium

Trigger: 4.8% · 1-yr

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

trigger

9-yr surrenderDoes not vary by premium

Trigger: 4.75% · 1-yr

Nasdaq Premier Index

trigger

9-yr surrenderDoes not vary by premium

Trigger: 4% · 1-yr

Nasdaq-100 Index

trigger

9-yr surrenderDoes not vary by premium

Trigger: 3.75% · 1-yr

Dow Jones Industrial Average

trigger

9-yr surrenderDoes not vary by premium

Trigger: 3.25% · 1-yr

S&P 500 Index

trigger

9-yr surrenderDoes not vary by premium

Cap: 2.5% · 1-yr

S&P 500 Index

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

9-yr surrenderDoes not vary by premium

Fixed: 1.9% · 1-yr

Fixed Account

fixed

9-yr surrenderDoes not vary by premium

Cap: 1.25% · 1-yr

S&P 500 Index

Monthly Point to Point · monthly_sum_cap

9-yr surrenderDoes not vary by premium

Par: 260% · 2-yr

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

Performance Rate Rider w/Strategy Fee · participation

9-yr surrenderDoes not vary by premium

Par: 160% · 2-yr

BNP Paribas Patriot Technology Index

Performance Rate Rider w/Strategy Fee · participation

9-yr surrenderDoes not vary by premium

Par: 110% · 2-yr

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

participation

9-yr surrenderDoes not vary by premium

Par: 100% · 2-yr

BNP Paribas Patriot Technology Index

participation

9-yr surrenderDoes not vary by premium

Par: 95% · 2-yr

NYSE Premier Index

Performance Rate Rider · participation

9-yr surrenderDoes not vary by premium

Par: 95% · 2-yr

Nasdaq Premier Index

participation

9-yr surrenderDoes not vary by premium

Par: 95% · 2-yr

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

Performance Rate Rider · participation

9-yr surrenderDoes not vary by premium

Par: 80% · 2-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider · participation

9-yr surrenderDoes not vary by premium

Par: 58% · 2-yr

NYSE Premier Index

participation

9-yr surrenderDoes not vary by premium

Par: 58% · 2-yr

Nasdaq Premier Index

participation

9-yr surrenderDoes not vary by premium

Par: 58% · 2-yr

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

participation

9-yr surrenderDoes not vary by premium

Par: 50% · 2-yr

BlackRock Adaptive US Equity 15% Index

participation

9-yr surrenderDoes not vary by premium

Cap: 14% · 2-yr

NYSE Premier Index

cap

9-yr surrenderDoes not vary by premium

Cap: 14% · 2-yr

Nasdaq Premier Index

cap

9-yr surrenderDoes not vary by premium

Cap: 14% · 2-yr

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

cap

9-yr surrenderDoes not vary by premium

Accumulation profile

Accumulation-focused contract

Current CANNEX product data marks this filing 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 9

● Can I lose money in American Equity AssetShield Bonus 9?

A negative index return by itself does not reduce the contract's account value: American Equity AssetShield Bonus 9 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 scheduled surrender charges run 9 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 9's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current American Equity AssetShield Bonus 9 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

7%

Yr 2

8.35%

Yr 3

7.35%

Yr 4

6.25%

Yr 5

5.1%

Yr 6

3.95%

Yr 7

2.7%

Yr 8

1.35%

Yr 9

0.7%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

American Equity AssetShield Bonus 9 brochure pdf.pdf

Confidence: highReviewed Apr 2, 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 9 currently shows 44 indexed or fixed crediting options, 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: 7.75% annual cap, Performance Rate Rider, 1.5% annual strategy fee
  • S&P 500 Index: 2.5% monthly point-to-point cap, Fee-bearing option, 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
  • 9 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 9 brochure pdf.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 9 rate report

See how American Equity AssetShield Bonus 9 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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