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Fixed Indexed Annuity

American Equity EstateShield 10

American Equity Investment Life Insurance Company

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4.25%

Best S&P 500 Annual Cap

10%

Free W/D

47

Available jurisdictions

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 EstateShield 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 15, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$208,142
Est. value at age 80 (American Equity EstateShield 10)
4.25%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 8.75% Cap (2-yr point-to-point)
✦
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 EstateShield 10's published cap rate (8.75% 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; 2-year credits are applied only at completed term anniversaries. Not a projection, quote, or guarantee. Live CANNEX rates as of July 15, 2026.

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See how American Equity EstateShield 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 EstateShield 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 15, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

4.5% lifetime payout

A ten-year-surrender fixed indexed annuity from an A-rated carrier on American Equity's EstateShield chassis, designed to combine a contractual lifetime withdrawal rate with an enhanced death benefit under a single optional GLWB rider election, with a recognizable S&P 500 annual point-to-point cap, two participation-rate allocations on proprietary volatility-controlled indexes (each available in 1-year and 2-year crediting cadences), and a declared-rate fixed account.

0% annual rider feeAdvisorWorld + CANNEX data

Best fit

Buyers who want one contract to deliver both a contractually guaranteed lifetime withdrawal rate and an enhanced death-benefit feature for heirs under a single optional rider election, are willing to commit to a full ten-year surrender term to fund the rider economics, and want the deferral phase to credit through a recognizable S&P 500 annual cap alongside longer-period participation-rate allocations and a fixed-account sleeve.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

47 jurisdictions (excl. California, Delaware, Idaho, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4.25% cap rate

Annual cap

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

S&P 500

S&P 500 Index

Monthly Point to Point · monthly sum cap

1.7% cap rate

Monthly cap

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

S&P 500

S&P 500 Index

8.75% cap rate

Cap strategy

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

Fixed Account

Fixed Account

2% declared rate

Fixed account

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

+ 4 additional crediting options (S&P 500, BlackRock...)

Lifetime Income Riders

Income rider

LIBR with Wellbeing Benefit and Enhanced Death Benefit

Lifetime payout rate4.5% lifetime payout
Annual rider fee0% annual rider fee
Interest multiplier1.5x interest multiplier
Income bonus35% income bonus

Product analyst notes

How to think about this contract

Why it can stand out

  • Optional GLWB income rider is paired with an Enhanced Death Benefit feature in the same rider election — the rider is the carrier's combined income-and-legacy lever on the EstateShield chassis, and the contract is built so a buyer who elects the rider gets a contractual lifetime withdrawal rate plus a death-benefit enhancement under one charge rather than buying them separately.
  • Index menu pairs a recognizable S&P 500 Index annual point-to-point cap with participation-rate allocations on the S&P 500 Dividend Aristocrats Daily Risk Control 5% Index and the BlackRock Adaptive US Equity 5% Index, and most index strategies are offered in both a 1-year and a 2-year crediting cadence — buyers can mix one apples-to-apples S&P 500 cap with a longer-period, higher-participation allocation inside the same contract.
  • A declared-rate fixed account sits alongside the index strategies, so a buyer can park part of the premium in a non-indexed allocation without leaving the contract — useful for an income buyer who wants a portion of the account value insulated from index performance during deferral.
  • 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; standard nursing-home, terminal-illness, and surrender waivers are written into the base contract.

What to confirm

  • The contract's income story is the optional LIBR with Wellbeing Benefit and Enhanced Death Benefit rider, not a free feature of the base chassis — the rider is an elected add-on with its own charge that is deducted from the account value regardless of index performance, and the published withdrawal rate applies under the rider's age, deferral, and single-versus-joint rules. Buyers comparing a published withdrawal rate side-by-side with a no-rider PIV chassis or a different carrier's GLWB rider should account for the rider fee and the rate's eligibility rules, not the rate alone.
  • Surrender ladder runs a full ten years before reaching zero — the longest in American Equity's EstateShield family and longer than the nine-year EstateShield 9 sibling. The ten-year lockup funds the richer rider economics and is the explicit tradeoff for the income-and-legacy combination, but a buyer who needs liquidity inside ten years should weigh that explicitly.
  • Several index strategies are participation-rate allocations on proprietary volatility-controlled excess-return indexes (S&P 500 Dividend Aristocrats Daily Risk Control 5%, BlackRock Adaptive US Equity 5%). Their participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each strategy on its own merits, and read the 2-year participation rates as a two-year credit, not an annualized number.
  • The 'Enhanced Death Benefit' on this contract is part of the optional rider election, not a free standalone feature — the base-contract death benefit is the carrier's standard death benefit. Buyers who decline the rider should not expect the enhanced legacy mechanism, and the enhancement's mechanics (roll-up versus step-up, eligibility, recapture on partial withdrawals) live in the rider terms, so read the rider document before reading any death-benefit number on this page.

Not ideal for

Buyers who need the income mechanism built into the base contract without an optional rider charge (a PIV chassis is a different design), want a shorter surrender commitment than ten years (the nine-year EstateShield 9 is filed in California only), or want the death-benefit enhancement as a free standalone feature rather than as part of the rider election — none of those are what EstateShield 10 is built to deliver.

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All crediting strategies

View rate listings (8 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: 110% · 1-yr

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

participation

10-yr surrenderDoes not vary by premium

Par: 110% · 1-yr

BlackRock Adaptive US Equity 5% Index

participation

10-yr surrenderDoes not vary by premium

Cap: 4.25% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Fixed: 2% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Cap: 1.7% · 1-yr

S&P 500 Index

Monthly Point to Point · monthly_sum_cap

10-yr surrenderDoes not vary by premium

Par: 160% · 2-yr

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

participation

10-yr surrenderDoes not vary by premium

Par: 160% · 2-yr

BlackRock Adaptive US Equity 5% Index

participation

10-yr surrenderDoes not vary by premium

Cap: 8.75% · 2-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Income riders

Income rider

LIBR with Wellbeing Benefit and Enhanced Death Benefit

Lifetime withdrawal rate4.5%
Annual rider fee0%
Income multiplier1.5× multiplier
Income bonus35%
Deferral assumed10 years

GLWB

Linked review

American Equity EstateShield 10 review notes

Explore the American Equity EstateShield 10 Fixed Indexed Annuity, its features, riders, rates, and company details for retirement planning.

4/5Read review
Nikhil Bhauwala

Common questions about American Equity EstateShield 10

● Can I lose money in American Equity EstateShield 10?

A negative index return by itself does not reduce the contract's account value: American Equity EstateShield 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.

● Is the LIBR with Wellbeing Benefit and Enhanced Death Benefit income rider worth the 0% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 4.5% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● 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 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 EstateShield 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current American Equity EstateShield 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

2

Nursing home waiver, Terminal illness waiver

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.

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

9.2%

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 EstateShield 10 Sales Brochure-3_compressed.pdf

Confidence: highReviewed Apr 5, 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 EstateShield 10 currently shows 8 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 4 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: 4.25% annual cap
  • S&P 500 Index: 1.7% monthly point-to-point cap
  • S&P 500 Index: 8.75% 2-year cap
  • Fixed Account: 2% fixed account rate

Income rider language

What to look for before treating the rider as income

LIBR with Wellbeing Benefit and Enhanced Death Benefit is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 4.5% withdrawal rate
  • 0% rider fee
  • 10 deferral years

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 EstateShield 10 Sales Brochure-3_compressed.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 EstateShield 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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