What is the minimum guaranteed surrender value for American Equity – GuaranteeShield™ (3- and 5-Year Terms)?

GuaranteeShield™ Series is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected guarantee period (3-year or 5-year). The owner makes a one-time premium payment and selects a term, during which interest grows tax-deferred. After the first contract year, the policy allows annual free withdrawals up to 10% of the contract value. Withdrawals above this amount may be subject to surrender charges and an MVA during the surrender-charge period. At the end of the guarantee period, a 30-day window provides flexibility for renewal, surrender, annuitization, or continuing without surrender charges.

What is the minimum premium amount for American Equity – GuaranteeShield™ (3- and 5-Year Terms)?

The minimum premium amount is $10,000.

What is the maximum issue age for American Equity – GuaranteeShield™ (3- and 5-Year Terms)?

The maximum issue age is 85 years.

What is the current interest rate for American Equity – GuaranteeShield™ (3- and 5-Year Terms)?

The current interest rate is 3.5%.

What is the surrender charge schedule for American Equity – GuaranteeShield™ (3- and 5-Year Terms)?

Withdrawals exceeding the 10% annual free-withdrawal limit, or a full surrender during the guarantee period, are subject to surrender charges and may also incur an MVA. Charges decline each year until reaching 0% at the end of the term. All funds become fully penalty-free at the end of the guarantee period or during the 30-day continuation window. California uses a separate surrender-charge schedule, and the Enhanced Benefit Rider is not available in CA.

What are the best rates available for American Equity – GuaranteeShield™ (3- and 5-Year Terms)?

The best available rate is 3.85% for a 5 year term.

American Equity Investment Life Insurance Company

American Equity – GuaranteeShield™ (3- and 5-Year Terms)

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.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

3 Years	3.75%
5 Years	3.85%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$10,000.00 - $99,999.00	3.5%
$100,000.00 - $249,000.00	3.75%
$250,000.00 - $1,000,000.00	3.75%

Features
Maximum Issue Age	85 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

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