Multi-Year Guaranteed Annuity
American Equity GuaranteeShield — American Equity Investment Life Insurance Company
Guarantee terms
3 · 5 yrs
Free withdrawal
10% published tier; confirm timing and exceptions
Market value adj.
Applies
Minimum premium
$10,000
Availability
50 jurisdictions (49 states + DC)
Surrender schedule
5-year option published contract option; match to the selected rate before purchase
Interest crediting
Compound — CANNEX yield row, no simple-interest flag
Rates effective
Nov 12, 2025
Guaranteed rates by term
The guaranteed annual rate is shown for each term at the $100,000 comparison premium, alongside the full-term effective rate.
| TermSurrender schedule | Effective annual rateFull-term comparison | Published annual rateContract rate | Rate structureFull guarantee | $100,000 grows toAt term end | vs. marketSame-day term median |
|---|---|---|---|---|---|
| 3-yearSchedule not publishedHighest | 3.75% | 3.75% | Flat throughout | $111,677+$11,677 interest | -1.60 ptsmedian 5.35% · n=107 |
| 5-yearSchedule not publishedHighest | 3.75% | 3.75% | Flat throughout | $120,210+$20,210 interest | -1.85 ptsmedian 5.60% · n=126 |
Rate figures use a $100,000 comparison premium and are scoped to the selected contract version. Term-end values are illustrative calculations using the published rate and crediting convention with no withdrawals. Market comparisons appear only when the same-day term distribution includes at least five comparable products.
How 3.75% grows over 5 years
Follow a deposit through the complete guarantee term.
The calculator shows outcomes only when the entered premium matches a published rate band. No rate or ending value is inferred outside those bands.
| Year | Rate credited | Interest | Balance |
|---|---|---|---|
| Year 1 | 3.75% | +$3,750 | $103,750 |
| Year 2 | 3.75% | +$3,891 | $107,641 |
| Year 3 | 3.75% | +$4,037 | $111,677 |
| Year 4 | 3.75% | +$4,188 | $115,865 |
| Year 5 | 3.75% | +$4,345 | $120,210 |
| Compound-equivalent annual rate over the full term | 3.750% | ||
How the number is calculated
- Product
- American Equity GuaranteeShield
- Schedule
- 3.75% for 5 years
- Crediting
- Compound interest
- Ending value
- $120,210
- Effective rate
- 3.750% per year
Equivalent: a flat MYGA paying 3.75% compounded annually reaches the same ending value. Confirm the crediting convention on the issued contract.
Getting money out
What it costs to leave early, and what you can take without a charge.
Surrender schedule · published contract options
A term-matched surrender schedule is not published for this rate row. Confirm the applicable contract schedule before purchase.
A market value adjustment may still raise or lower proceeds when it applies.
Penalty-free access
Items marked “not published” remain questions for the issued contract; this page does not infer answers.
How to think about this contract
Editorial interpretation stays separate from the contract data above.
Where it stands out
- A choice of shorter and longer guarantee periods lets buyers match the fixed-rate commitment to their planning horizon.
- The product publishes premium bands for each available term, making it possible to verify which guaranteed rate applies to the intended deposit.
- An annual penalty-free withdrawal provision adds limited access to contract value during the surrender period.
- The contract supports single and joint owners, as well as trust and corporate ownership, across qualified and non-qualified funding.
What to confirm
- The product does not offer a longer fixed-rate horizon beyond its published term menu, so buyers seeking an extended lock should compare other MYGAs.
- Withdrawals above the penalty-free allowance can face a surrender charge during the applicable schedule and may also be affected by a market value adjustment.
- The guaranteed rate depends on both the selected term and premium band, so the lead-term headline is not a universal quote for every deposit.
- The published annuitization menu is single-life only; joint ownership does not establish a joint-life payout option, and the product has no optional lifetime-income rider.
Contract facts
Everything the normalized public CANNEX contract reports. Gaps are labeled, not guessed.
Premium
$10,000 minimum
Maximum not published.
Issue ages
18–85 (annuitant and owner)
Joint contracts available.
Fund types
Non-qualified · Qualified
Continuation code S; confirm meaning in the contract.
Ownership
Corporation · Joint · Single · Trust
Annuitant: Joint · Single
Death benefit
Benefit basis not expanded in feed
Surrender charges and a market value adjustment may apply under contract terms.
Premium bonus
None published
A first-year interest rate is not a premium bonus.
Systematic withdrawals
Available
Minimum-withdrawal rule applies.
Bailout provision
Not available
Return of premium
Does not apply
Early surrender can return less than premium.
Free-look period
Available; length not published
Length can vary by state; confirm on delivery.
Annuitization
Single life
Maximum annuitization age: 95 years
Fees and charges
None published
Contract versions
1
Most states · MVA · No liquidity rider
Source
CANNEX via AdvisorWorld
Normalized facts observed Oct 5, 2026.
State availability
50 jurisdictions (excl. New York) in the current feed. The grid shows availability only; it does not apply one rate version to every jurisdiction. Outlined entries have their own named rate version when the feed identifies one.