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Fixed Indexed Annuity

American Equity EstateShield 9

American Equity Investment Life Insurance Company

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4.25%

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 EstateShield 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
$208,142
Est. value at age 80 (American Equity EstateShield 9)
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 9'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 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 EstateShield 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.

Current crediting strategy detail

4.25% cap on S&P 500

American Equity EstateShield 9 is currently shown as an FIA with live crediting and contract facts available, but the live ProductDetail response does not publish rider-level incomeRiders[] mechanics for the age-60/year-10 audit scenario; treat lifetime-income specifics as unavailable until source-backed rider data appears.

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

Best fit

Buyers and advisors comparing American Equity EstateShield 9's live crediting menu, surrender structure, ratings, and state availability while treating income-rider specifics as unavailable unless a carrier illustration or source-backed CANNEX rider response supplies them.

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

4.25% 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

1.7% cap rate

Monthly cap

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

S&P 500

S&P 500 Index

8.75% cap rate

Cap strategy

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

Fixed Account

Fixed Account

2% declared rate

Fixed account

1-year term · 9-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

  • Live ProductDetail currently returns strategy, surrender, ratings, and availability context for this contract; rider-level lifetime-income mechanics are not published in incomeRiders[] for the age-60/year-10 audit scenario.
  • Use the live crediting menu and contract facts on this page for comparison until CANNEX publishes rider-level income mechanics for this product.
  • The page should remain source-backed: if CANNEX later returns rider-level mechanics, the headline and income methodology can be restored from that data rather than from brochure memory.

What to confirm

  • Do not quote a GLWB/PIV payout rate, income-base growth rate, equivalent income base, or rider-fee comparison from this page while incomeRiders[] is empty in the live ProductDetail response.
  • For any lifetime-income recommendation, request a carrier illustration or use a source-backed AdvisorWorld/CANNEX response that includes the exact income_benefit_profile_id and rider mechanics.
  • Crediting rates, strategy availability, surrender terms, and state availability can still vary by filing, premium, age, and state; use the live page data rather than stale review copy.

Not ideal for

Buyers who need source-backed lifetime-income specifics directly from this page should not rely on this product page alone; use a carrier illustration or a CANNEX response that publishes rider mechanics.

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See how American Equity EstateShield 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 (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

9-yr surrenderDoes not vary by premium

Par: 110% · 1-yr

BlackRock Adaptive US Equity 5% Index

participation

9-yr surrenderDoes not vary by premium

Cap: 4.25% · 1-yr

S&P 500 Index

cap

9-yr surrenderDoes not vary by premium

Fixed: 2% · 1-yr

Fixed Account

fixed

9-yr surrenderDoes not vary by premium

Cap: 1.7% · 1-yr

S&P 500 Index

Monthly Point to Point · monthly_sum_cap

9-yr surrenderDoes not vary by premium

Par: 160% · 2-yr

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

participation

9-yr surrenderDoes not vary by premium

Par: 160% · 2-yr

BlackRock Adaptive US Equity 5% Index

participation

9-yr surrenderDoes not vary by premium

Cap: 8.75% · 2-yr

S&P 500 Index

cap

9-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

Common questions about American Equity EstateShield 9

● Can I lose money in American Equity EstateShield 9?

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

● 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 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 EstateShield 9's crediting strategies compare?

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

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

8%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

Yr 6

4%

Yr 7

3%

Yr 8

2%

Yr 9

1%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

American Equity EstateShield 9 Sales Brochure_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 9 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
  • 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 EstateShield 9 Sales Brochure_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

Get an American Equity EstateShield 9 rate report

See how American Equity EstateShield 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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