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Fixed Indexed Annuity

American Equity AssetShield 10

American Equity Investment Life Insurance Company

9.25%

Best Cap

10%

Free W/D

49

Jurisdictions

Product data status: May 29, 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.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

9.25% cap on S&P 500

A ten-year-surrender fixed indexed annuity from an A-rated carrier — the long-surrender flagship of American Equity's AssetShield line — built for accumulation across a broad menu of cap, participation, trigger and monthly-sum strategies on roughly nine indexes, with no income rider and no premium bonus.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers committed to a full ten-year deferral who want index-linked accumulation with the longest-term filing in the AssetShield line, value a broad strategy menu spanning recognizable benchmark caps and proprietary volatility-controlled participation strategies, and do not need a guaranteed lifetime-income rider built into the contract.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. California, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.25% cap rate

S&P 500

S&P 500 Index

11.75% cap rate

S&P 500

S&P 500 Index

2% cap rate

S&P 500

S&P 500 Index

3.2% cap rate

S&P 500

S&P 500 Index

100% participation rate + 5.75% declared rate

S&P 500

S&P 500 Index

40% participation rate

S&P 500

S&P 500 Index

55% participation rate

Nasdaq-100

Nasdaq-100 Index

7.25% cap rate

Nasdaq-100

Nasdaq-100 Index

100% participation rate + 6.25% declared rate

Dow Jones

Dow Jones Industrial Average

7% cap rate

Dow Jones

Dow Jones Industrial Average

100% participation rate + 6% declared rate

Fixed Account

Fixed Account

3.8% declared rate

+ 32 volatility-controlled index options (S&P 500, BNP Paribas, NYSE Premier...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Carrier financial-strength is rated by more than one independent agency (A.M. Best and S&P), so the strength view is not a single-source read.
  • Index menu is unusually broad — buyers get recognizable benchmark exposure (S&P 500, Nasdaq-100, Dow Jones Industrial Average) alongside a set of carrier and volatility-controlled indexes (NYSE Premier, Nasdaq Premier, BNP Paribas Patriot Technology, BlackRock Adaptive US Equity, S&P 500 Advantage VT TCA) so a buyer can choose between like-for-like cap comparison and higher-participation alternatives.
  • Multiple crediting mechanics are offered on the same chassis — annual point-to-point caps, participation-rate strategies, fixed-trigger strategies, and a fixed-account option — so the buyer can mix exposure across crediting designs rather than being locked into a single style.
  • Free-withdrawal allowance and the full ten-year surrender ladder are visible on this page, so the schedule of penalty-free liquidity is not gated behind a sales brochure.

What to confirm

  • This is the long-surrender flagship of the AssetShield line (5, 7, 9, 10). The ten-year commitment with a front-loaded surrender charge is significantly heavier than the shorter-term siblings — buyers who do not need the full ten-year deferral should compare AssetShield 5, 7, or 9 explicitly before locking in the longest term, because the longer commitment is the cost paid for the higher caps and participation rates on this filing.
  • This contract is not a guaranteed-lifetime-withdrawal product. The page explicitly states a lifetime-income rider is not available — the only rider-style enhancements on this filing are crediting bumps (Performance Rate Rider) and surrender-charge waivers (nursing home, terminal illness). Do not compare its payout side-by-side with a GLWB-rider income FIA.
  • The Performance Rate Rider that quotes the higher caps and participation rates on this filing is a fee-bearing enhancement (a strategy-level charge), not a free upgrade — caps quoted under that rider are not directly comparable to a no-fee cap on another carrier's product.
  • Several of the listed indexes (BNP Paribas Patriot Technology, BlackRock Adaptive US Equity, S&P 500 Advantage VT TCA, S&P 500 Dividend Aristocrats with daily risk control) are volatility-controlled or proprietary. Participation rates on these strategies look very high in absolute terms but are not directly comparable to an uncontrolled S&P 500 cap — evaluate each strategy on its own merits. There is also no premium bonus on this filing to offset the long surrender term, and the guaranteed-minimum cap and fixed-account floors are very low — caps and participation rates can reset down toward those floors over the ten-year surrender term, and the buyer carries that renewal risk for the full term.

Not ideal for

Buyers who need short-surrender liquidity, want a contractually guaranteed GLWB-rider withdrawal rate, expect a premium bonus to offset a long surrender term, or want a death-benefit roll-up beyond the standard death benefit — none of those are what this contract is built to deliver. Buyers who do not need the full ten-year commitment should look at AssetShield 5, 7, or 9 instead.

All crediting strategies

View rate listings (88 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 185% · 1-yr

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

Performance Rate Rider · participation

10-yr surrender

Par: 140% · 1-yr

BNP Paribas Patriot Technology Index

Performance Rate Rider · participation

10-yr surrender

Par: 100% · 1-yr

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

participation

10-yr surrender

Par: 100% + Fixed: 8.25% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

trigger

10-yr surrender

Par: 100% + Fixed: 5.75% · 1-yr

S&P 500 Index

trigger

10-yr surrender

Par: 100% + Fixed: 6% · 1-yr

Dow Jones Industrial Average

trigger

10-yr surrender

Par: 100% + Fixed: 6.25% · 1-yr

Nasdaq-100 Index

trigger

10-yr surrender

Par: 100% + Fixed: 8.25% · 1-yr

Nasdaq Premier Index

trigger

10-yr surrender

Par: 90% · 1-yr

BNP Paribas Patriot Technology Index

participation

10-yr surrender

Par: 80% · 1-yr

NYSE Premier Index

Performance Rate Rider · participation

10-yr surrender

Par: 80% · 1-yr

Nasdaq Premier Index

Performance Rate Rider · participation

10-yr surrender

Par: 80% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Performance Rate Rider · participation

10-yr surrender

Par: 75% · 1-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider · participation

10-yr surrender

Par: 60% · 1-yr

NYSE Premier Index

participation

10-yr surrender

Par: 60% · 1-yr

Nasdaq Premier Index

participation

10-yr surrender

Par: 60% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

participation

10-yr surrender

Par: 55% · 1-yr

S&P 500 Index

Performance Rate Rider · participation

10-yr surrender

Par: 45% · 1-yr

BlackRock Adaptive US Equity 15% Index

participation

10-yr surrender

Par: 40% · 1-yr

S&P 500 Index

participation

10-yr surrender

Cap: 11.75% · 1-yr

S&P 500 Index

Performance Rate Rider · cap

10-yr surrender

Cap: 11% · 1-yr

NYSE Premier Index

cap

10-yr surrender

Cap: 11% · 1-yr

Nasdaq Premier Index

cap

10-yr surrender

Cap: 11% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

cap

10-yr surrender

Cap: 9.25% · 1-yr

S&P 500 Index

cap

10-yr surrender

Cap: 7.25% · 1-yr

Nasdaq-100 Index

cap

10-yr surrender

Cap: 7% · 1-yr

Dow Jones Industrial Average

cap

10-yr surrender

Fixed: 3.8% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 3.2% · 1-yr

S&P 500 Index

Monthly Point to Point with Performance Rate Rider · monthly_sum_cap

10-yr surrender

Cap: 2% · 1-yr

S&P 500 Index

Monthly Point to Point · monthly_sum_cap

10-yr surrender

Par: 300% · 2-yr

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

Performance Rate Rider · participation

10-yr surrender

Par: 190% · 2-yr

BNP Paribas Patriot Technology Index

Performance Rate Rider · participation

10-yr surrender

Par: 180% · 2-yr

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

participation

10-yr surrender

Par: 125% · 2-yr

BNP Paribas Patriot Technology Index

participation

10-yr surrender

Par: 115% · 2-yr

NYSE Premier Index

Performance Rate Rider · participation

10-yr surrender

Par: 115% · 2-yr

Nasdaq Premier Index

Performance Rate Rider · participation

10-yr surrender

Par: 115% · 2-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Performance Rate Rider · participation

10-yr surrender

Par: 90% · 2-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider · participation

10-yr surrender

Par: 85% · 2-yr

NYSE Premier Index

participation

10-yr surrender

Par: 85% · 2-yr

Nasdaq Premier Index

participation

10-yr surrender

Par: 85% · 2-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

participation

10-yr surrender

Par: 60% · 2-yr

BlackRock Adaptive US Equity 15% Index

participation

10-yr surrender

Cap: 35% · 2-yr

NYSE Premier Index

cap

10-yr surrender

Cap: 35% · 2-yr

Nasdaq Premier Index

cap

10-yr surrender

Cap: 35% · 2-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

cap

10-yr surrender

Par: 185% · 1-yr

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

Performance Rate Rider

Par: 140% · 1-yr

BNP Paribas Patriot Technology Index

Performance Rate Rider

Par: 100% · 1-yr

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

Par: 100% + Fixed: 8.25% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Par: 100% + Fixed: 5.75% · 1-yr

S&P 500 Index

Par: 100% + Fixed: 6% · 1-yr

Dow Jones Industrial Average

Par: 100% + Fixed: 6.25% · 1-yr

Nasdaq-100 Index

Par: 100% + Fixed: 8.25% · 1-yr

Nasdaq Premier Index

Par: 90% · 1-yr

BNP Paribas Patriot Technology Index

Par: 80% · 1-yr

NYSE Premier Index

Performance Rate Rider

Par: 80% · 1-yr

Nasdaq Premier Index

Performance Rate Rider

Par: 80% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Performance Rate Rider

Par: 75% · 1-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider

Par: 60% · 1-yr

NYSE Premier Index

Par: 60% · 1-yr

Nasdaq Premier Index

Par: 60% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Par: 55% · 1-yr

S&P 500 Index

Performance Rate Rider

Par: 45% · 1-yr

BlackRock Adaptive US Equity 15% Index

Par: 40% · 1-yr

S&P 500 Index

Cap: 11.75% · 1-yr

S&P 500 Index

Performance Rate Rider

Cap: 11% · 1-yr

NYSE Premier Index

Cap: 11% · 1-yr

Nasdaq Premier Index

Cap: 11% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Cap: 9.25% · 1-yr

S&P 500 Index

Cap: 7.25% · 1-yr

Nasdaq-100 Index

Cap: 7% · 1-yr

Dow Jones Industrial Average

Fixed: 3.8% · 1-yr

Fixed Account

Cap: 3.2% · 1-yr

S&P 500 Index

Monthly Point to Point with Performance Rate Rider

Cap: 2% · 1-yr

S&P 500 Index

Monthly Point to Point

Par: 300% · 2-yr

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

Performance Rate Rider

Par: 190% · 2-yr

BNP Paribas Patriot Technology Index

Performance Rate Rider

Par: 180% · 2-yr

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

Par: 125% · 2-yr

BNP Paribas Patriot Technology Index

Par: 115% · 2-yr

NYSE Premier Index

Performance Rate Rider

Par: 115% · 2-yr

Nasdaq Premier Index

Performance Rate Rider

Par: 115% · 2-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Performance Rate Rider

Par: 90% · 2-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider

Par: 85% · 2-yr

NYSE Premier Index

Par: 85% · 2-yr

Nasdaq Premier Index

Par: 85% · 2-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Par: 60% · 2-yr

BlackRock Adaptive US Equity 15% Index

Cap: 35% · 2-yr

NYSE Premier Index

Cap: 35% · 2-yr

Nasdaq Premier Index

Cap: 35% · 2-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Key Features

Free withdrawal

10%/yr

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

Surrender waivers

3

Bail out provisions, Nursing home waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 0.50%

Strategy guarantee

Minimum guaranteed declared rate: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.50%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9.2%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

American Equity AssetShield 10 Sales Brochure.pdf

Confidence: highReviewed Apr 1, 2026

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

Carrier Ratings

AM BestA
S&PA
S&PA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

American Equity AssetShield 10 currently shows 44 distinct indexed or fixed crediting choices across 88 current rate listings, including S&P 500 Index, with 28 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9.25% cap
  • S&P 500 Index: 11.75% cap
  • S&P 500 Index: 2% cap

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
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

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

Carrier materials such as American Equity AssetShield 10 Sales Brochure.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

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