What is the minimum guaranteed surrender value for GuaranteeShield?

GuaranteeShield™ annuities are single premium deferred annuity contracts issued by American Equity Investment Life Insurance Company®. They are designed to offer a fixed interest rate guaranteed for the selected term of three or five years. The contract value grows tax-deferred and is reduced by any withdrawals, including applicable charges. After the first contract year, owners may withdraw up to 10% of the contract value annually without incurring surrender charges. The annuities also feature a death benefit payable to beneficiaries, equal to the greater of the contract value or the MGSV. Enhanced Benefit Riders, such as the Qualified Nursing Care Benefit and Terminal Illness Benefit, are included at no additional cost, providing additional liquidity options under specific conditions.

What is the minimum premium amount for GuaranteeShield?

The minimum premium amount is $10,000.

What is the maximum issue age for GuaranteeShield?

The maximum issue age is 85 years.

What is the current interest rate for GuaranteeShield?

The current interest rate is 3.5%.

What is the surrender charge schedule for GuaranteeShield?

If the contract is surrendered or a withdrawal is taken in excess of the free withdrawal amount during the surrender charge period, a surrender charge will apply. The surrender charge schedule varies depending on whether the contract is a 3-year or 5-year term. For GuaranteeShield™ 3, the charges are 9% in the first year, 8% in the second year, and 7% in the third year. For GuaranteeShield™ 5, the charges are 9% in the first year, decreasing to 5% by the fifth year. In California, slightly adjusted rates apply: 8.30%, 8.25%, and 7.25% for GuaranteeShield™ 3; and 8.30%, 8.25%, 7.25%, 6.25%, and 5.20% for GuaranteeShield™ 5. The product also includes a Market Value Adjustment (MVA) that may increase or decrease the amount payable on excess withdrawals or surrenders during the surrender charge period. These charges do not apply to death benefit payments or to withdrawals taken under the terms of the Enhanced Benefit Rider after qualifying conditions are met

What are the best rates available for GuaranteeShield?

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

American Equity Investment Life Insurance Company

GuaranteeShield

About this product

The GuaranteeShield™ Series from American Equity Investment Life Insurance Company® offers fixed annuities designed for individuals seeking principal protection and guaranteed growth. Available in three-year (GuaranteeShield 3) and five-year (GuaranteeShield 5) terms, these single premium deferred annuities provide tax-deferred growth with a guaranteed interest rate set at issue for the duration of the selected term. The products include features such as free annual withdrawals up to 10% after the first contract year, a death benefit equal to the greater of the contract value or the Minimum Guaranteed Surrender Value (MGSV), and optional Enhanced Benefit Riders at no additional cost. At the end of the guarantee period, contract owners have flexible options, including renewing the contract, taking withdrawals, annuitizing, or surrendering the contract without charges.

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