Simulation & Edit Mode
Active Product: American Equity – GuaranteeShield™
American Equity – GuaranteeShield™
About this product
The American Equity GuaranteeShield™ Series is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by American Equity Investment Life Insurance Company® that provides fixed, tax-deferred interest growth and principal protection across 3- and 5-year guarantee periods. It delivers predictable, contractually guaranteed rates insulated from market volatility, with penalty-free access beginning in year two and a built-in Market Value Adjustment (MVA) feature for withdrawals/surrenders during the surrender-charge period.
Important Disclaimer
The results displayed here are for simulation purposes only and do not represent financial advice or real-world values. Please consult a qualified financial professional before making any investment decisions.
Available Rates
| 3 Years | 3.75% |
| 5 Years | 3.85% |
Available Guarantee Periods
Rates based on investment amount $100,000.00
| $10,000.00 - $99,999.00 | 3.50% |
| $100,000.00 - $249,000.00 | 3.75% |
| $250,000.00 - $1,000,000.00 | 3.75% |
Features
| Maximum Issue Age | 85 years |
Growth Projection
How your money grows
Based on your issue age (80) and target payout age (85), the following guarantee period will be applied:
| Guarantee Period | 5 years |
| Rate | 3.85% |
| Age | 80 - 85 |
Summary
| Total years to payout | 10 |
| Total guarantee periods applied | 2 |
Lifetime Income Details
Payout Options
Additional Options
Actual payout options may vary by insurance carrier and specific products. Common alternatives include:
Life Income Only
Payments for the rest of your life, stopping upon death
Period Certain
Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain
Lifetime payments with a minimum guaranteed period
Joint Life
Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal
Regular withdrawals of a specified amount or percentage