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Fixed Indexed Annuity

American Equity IncomeShield 9

American Equity

Get my rate report

10%

Free W/D

California

Only state

Product data status: October 23, 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.

rate data

Run numbers for American Equity IncomeShield 9

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

Live product data

Rates as of October 23, 2026, from AdvisorWorld and CANNEX.

Current crediting strategy detail

A current headline metric is not available for this product. Confirm current terms with the carrier.

American Equity IncomeShield 9 is shown with crediting and contract facts from live product data; review any displayed income-rider terms in the context of state, age, premium, and election.

AdvisorWorld + CANNEX data

Best fit

Buyers and advisors comparing American Equity IncomeShield 9 crediting, surrender terms, ratings, state availability, and any published income-rider details.

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

Rate unavailable for this rider selection

Rate effective May 6, 2026

Annual point-to-point

Requested state: CA

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

S&P 500

S&P 500 Index

Monthly Point to Point

Rate unavailable for this rider selection

Rate effective May 6, 2026

Monthly sum

Requested state: CA

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

S&P 500

S&P 500 Index

Rate unavailable for this rider selection

Rate effective May 6, 2026

2-year point-to-point

Requested state: CA

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

Nasdaq-100

Nasdaq-100 Index

Rate unavailable for this rider selection

Rate effective May 6, 2026

Annual point-to-point

Requested state: CA

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

Nasdaq-100

Nasdaq-100 Index

Rate unavailable for this rider selection

Rate effective May 6, 2026

Performance trigger

Requested state: CA

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

Dow Jones

Dow Jones Industrial Average

Rate unavailable for this rider selection

Rate effective May 6, 2026

Annual point-to-point

Requested state: CA

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

Dow Jones

Dow Jones Industrial Average

Rate unavailable for this rider selection

Rate effective May 6, 2026

Performance trigger

Requested state: CA

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

Fixed Account

Fixed Account

Rate unavailable for this rider selection

Rate effective May 6, 2026

Fixed account

Requested state: CA

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

+ 5 additional crediting options (S&P 500, BlackRock, Nasdaq Premier...)

Lifetime Income Riders

Income rider

Income Benefit Rider with Wellbeing Benefit Option 4

Lifetime payout rate4.89% lifetime payout
Annual rider fee1.1% annual rider fee
Guaranteed roll-up7%/yr · compound · for up to 15 years

Income rider

Income Benefit Rider Option 2

Lifetime payout rate4.89% lifetime payout
Annual rider fee1.1% annual rider fee
Guaranteed roll-up7%/yr · compound · for up to 15 years

Income rider

Income Benefit Rider Option 1

Lifetime payout rate4.29% lifetime payout
Annual rider fee1.1% annual rider fee
Guaranteed roll-up10%/yr · simple · for up to 10 years

Income rider

Income Benefit Rider with Wellbeing Benefit Option 3

Lifetime payout rate4.29% lifetime payout
Annual rider fee1.2% annual rider fee
Guaranteed roll-up10%/yr · simple · for up to 10 years

Product analyst notes

How to think about this contract

Why it can stand out

  • Review the crediting strategies and contract facts provided by the current product source.
  • Compare surrender terms, ratings, state availability, and any published income-rider details together.
  • Rider terms can depend on state, age, premium, and election; use a carrier illustration for a personalized income comparison.

What to confirm

  • Verify any displayed rider payout, growth, and fee figures against the applicable carrier illustration before relying on them.
  • For any lifetime-income recommendation, request a carrier illustration or CANNEX comparison that includes the exact rider terms.
  • Crediting rates, strategy availability, surrender terms, and state availability can vary by filing, premium, age, and state; confirm the current terms for the buyer's situation.

Not ideal for

Buyers who need a personalized lifetime-income quote from this page alone; obtain a carrier illustration for the buyer’s age, premium, state, and rider election.

Free Comparison Report

Get an American Equity IncomeShield 9 rate report

See how American Equity IncomeShield 9 compares for your age, state, premium, and income goals alongside other American Equity fixed indexed annuity options.

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All crediting strategies

View rate listings (11 strategies)

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

Rate unavailable for this rider selection · 1-yr

Fixed Account

Fixed account

Requested state: CARate effective May 6, 20269-yr surrenderDoes not vary by premium

Rate unavailable for this rider selection · 1-yr

S&P 500 Index

Point-to-point

Requested state: CARate effective May 6, 20269-yr surrenderDoes not vary by premium

Rate unavailable for this rider selection · 1-yr

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

Point-to-point

Requested state: CARate effective May 6, 20269-yr surrenderDoes not vary by premium

Rate unavailable for this rider selection · 1-yr

S&P 500 Index

Monthly Point to Point · Monthly sum

Requested state: CARate effective May 6, 20269-yr surrenderDoes not vary by premium

Rate unavailable for this rider selection · 1-yr

BlackRock Adaptive US Equity 5% Index

Point-to-point

Requested state: CARate effective May 6, 20269-yr surrenderDoes not vary by premium

Rate unavailable for this rider selection · 1-yr

Dow Jones Industrial Average

Point-to-point

Requested state: CARate effective May 6, 20269-yr surrenderDoes not vary by premium

Rate unavailable for this rider selection · 1-yr

Nasdaq-100 Index

Point-to-point

Requested state: CARate effective May 6, 20269-yr surrenderDoes not vary by premium

Rate unavailable for this rider selection · 1-yr

Nasdaq Premier Index

Performance trigger

Requested state: CARate effective May 6, 20269-yr surrenderDoes not vary by premium

Rate unavailable for this rider selection · 2-yr

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

Point-to-point

Requested state: CARate effective May 6, 20269-yr surrenderDoes not vary by premium

Rate unavailable for this rider selection · 2-yr

S&P 500 Index

Point-to-point

Requested state: CARate effective May 6, 20269-yr surrenderDoes not vary by premium

Rate unavailable for this rider selection · 2-yr

BlackRock Adaptive US Equity 5% Index

Point-to-point

Requested state: CARate effective May 6, 20269-yr surrenderDoes not vary by premium

Income riders

Income rider

Lifetime Income Benefit Rider with Wellbeing Benefit Option 4

Lifetime withdrawal rate4.89%
Annual rider fee1.1%
Guaranteed roll-up7%/yr · compound · for up to 15 years
Deferral assumed0 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Income rider

Lifetime Income Benefit Rider Option 2

Lifetime withdrawal rate4.89%
Annual rider fee1.1%
Guaranteed roll-up7%/yr · compound · for up to 15 years
Deferral assumed0 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Income rider

Lifetime Income Benefit Rider with Wellbeing Benefit Option 4

Lifetime withdrawal rate4.39%
Annual rider fee1.1%
Guaranteed roll-up7%/yr · compound · for up to 15 years
Deferral assumed0 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Income rider

Lifetime Income Benefit Rider Option 2

Lifetime withdrawal rate4.39%
Annual rider fee1.1%
Guaranteed roll-up7%/yr · compound · for up to 15 years
Deferral assumed0 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Income rider

Lifetime Income Benefit Rider Option 1

Lifetime withdrawal rate4.29%
Annual rider fee1.1%
Guaranteed roll-up10%/yr · simple · for up to 10 years
Deferral assumed0 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Income rider

Lifetime Income Benefit Rider with Wellbeing Benefit Option 3

Lifetime withdrawal rate4.29%
Annual rider fee1.2%
Guaranteed roll-up10%/yr · simple · for up to 10 years
Deferral assumed0 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Income rider

Lifetime Income Benefit Rider Option 1

Lifetime withdrawal rate3.79%
Annual rider fee1.1%
Guaranteed roll-up10%/yr · simple · for up to 10 years
Deferral assumed0 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Income rider

Lifetime Income Benefit Rider with Wellbeing Benefit Option 3

Lifetime withdrawal rate3.79%
Annual rider fee1.2%
Guaranteed roll-up10%/yr · simple · for up to 10 years
Deferral assumed0 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Common questions about American Equity IncomeShield 9

● Can I project accumulation for American Equity IncomeShield 9 with the rates shown?

The available data does not support a standalone accumulation projection for this selection. Published portfolio components and contract terms remain listed on this page. Confirm the complete allocation and current crediting terms with the carrier.

● Is the Lifetime Income Benefit Rider with Wellbeing Benefit Option 4 income rider worth the 1.1% 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 published roll-up (7%/yr · compound · for up to 15 years) and 4.89% 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.

Key Features

Free withdrawal

10%/yr

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

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 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

7.35%

Yr 2

7.35%

Yr 3

7.25%

Yr 4

6.2%

Yr 5

5.1%

Yr 6

3.95%

Yr 7

2.75%

Yr 8

1.55%

Yr 9

0.8%

After

0%

Documents

product guide

American Equity IncomeShield 9 Sales Brochures - CA.pdf

Confidence: highReviewed Apr 2, 2026

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

Carrier Ratings

AM BestA
FitchA
S&PA

Contract notes from product data

Income rider language

What to look for before treating the rider as income

Lifetime Income Benefit Rider with Wellbeing Benefit Option 4 is the main income rider listed 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.

  • 4.89% withdrawal rate
  • 1.1% rider fee
  • Joint life availability

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

Verification note

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

Carrier materials such as American Equity IncomeShield 9 Sales Brochures - CA.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 IncomeShield 9 rate report

See how American Equity IncomeShield 9 compares for your age, state, premium, and income goals alongside other American Equity fixed indexed annuity options.

Get my rate report

Related Resources

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