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Fixed Indexed Annuity

American Equity AssetShield 9

American Equity Investment Life Insurance Company

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9.25%

Best S&P 500 Annual Cap

10%

Free W/D

California

Only state

Product data status: July 16, 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.

Model this product

See what American Equity AssetShield 9 would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 16, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$290,562
Est. value at age 80 (American Equity AssetShield 9)
9.25%
Best S&P 500 1-yr point-to-point cap
Dow Jones Industrial Average — 7.75% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies American Equity AssetShield 9's published cap rate (7.75% on Dow Jones Industrial Average) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 16, 2026.

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See how American Equity AssetShield 9 compares for your age, state, premium, and income goals alongside other American Equity Investment Life Insurance Company fixed indexed annuity options.

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Live rate data

Run live numbers for American Equity AssetShield 9

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this American Equity Investment Life Insurance Company product.

Live product data

Rates as of July 16, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

9.25% cap on S&P 500

A nine-year-surrender fixed indexed annuity from an A-rated carrier, accumulation-focused with no income rider — a broad crediting menu spanning S&P 500, Nasdaq-100, and Dow Jones caps, participation strategies, trigger strategies, and proprietary volatility-controlled indexes.

1-year term9-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers who want index-linked accumulation across recognizable benchmark caps plus optional participation, trigger, and proprietary volatility-controlled alternatives, can commit to a nine-year surrender window, and do not need a contractually guaranteed lifetime-income rider built into the contract.

AM Best

A Excellent

Surrender period

9 years

Free withdrawal

10%/yr

Availability

California only

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.25% cap rate

Annual cap

1-year term · 9-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Monthly Point to Point · monthly sum cap

2% cap rate

Monthly cap

1-year term · 9-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Performance Rate Rider

11.75% cap rate

Annual cap

PRR fee: 1.5%/yr

1-year term · 9-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Monthly Point to Point with Performance Rate Rider · monthly sum cap

3.2% cap rate

Monthly cap

PRR fee: 1.5%/yr

1-year term · 9-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

5.75% trigger rate

Performance trigger

1-year term · 9-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

40% participation rate

Participation

1-year term · 9-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Performance Rate Rider

55% participation rate

Participation

PRR fee: 1.5%/yr

1-year term · 9-year surrender · Does not vary by premium

Nasdaq-100

Nasdaq-100 Index

8% cap rate

Annual cap

1-year term · 9-year surrender · Does not vary by premium

Nasdaq-100

Nasdaq-100 Index

6.75% trigger rate

Performance trigger

1-year term · 9-year surrender · Does not vary by premium

Dow Jones

Dow Jones Industrial Average

7.75% cap rate

Annual cap

1-year term · 9-year surrender · Does not vary by premium

Dow Jones

Dow Jones Industrial Average

6.5% trigger rate

Performance trigger

1-year term · 9-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3.8% declared rate

Fixed account

1-year term · 9-year surrender · Does not vary by premium

+ 32 additional crediting options (S&P 500, BNP Paribas, NYSE Premier...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Crediting menu is unusually broad — recognizable benchmark indexes (S&P 500, Nasdaq-100, Dow Jones Industrial Average) appear alongside proprietary volatility-controlled options, and the strategy types span annual point-to-point caps, participation rates, trigger (declared-rate) strategies, and two-year point-to-point — giving the buyer real choice between like-for-like cap comparison and higher-participation alternatives.
  • Trigger strategies pay a fixed declared rate whenever the underlying index finishes the term flat or up, which is a structurally different payoff profile from a cap and can be useful in sideways markets — many FIAs do not offer one at all.
  • Carrier financial-strength is rated by more than one agency (A.M. Best and S&P both rate the carrier), so the strength view is not a single-source read.
  • Free-withdrawal allowance and the full 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 contract is NOT a lifetime-income product. There is no GLWB income rider and no Protected Income Value mechanism — the only riders are surrender-charge waivers (nursing home, terminal illness, bail-out). Do not compare its lifetime payout side-by-side with a rider-led income FIA or a PIV chassis.
  • A subset of strategies (cap and participation versions on several indexes) is enhanced via a Performance Rate Rider that imposes an allocation charge. The higher caps and higher participation rates those strategies quote are fee-bearing — they are not directly comparable to a base cap on the same index, and the charge erodes the headline number over time.
  • Surrender term runs the full nine years with a steep front-loaded charge — a meaningful liquidity commitment. Buyers who may need access to principal inside the surrender window should weigh the full surrender ladder, not just the free-withdrawal allowance.
  • Several of the indexes on the menu (e.g. BNP Paribas Patriot Technology, BlackRock Adaptive US Equity 15%) are proprietary and volatility-controlled. Participation rates on these strategies look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each strategy on its own merits.

Not ideal for

Buyers who need a guaranteed lifetime withdrawal rate from a GLWB rider, built-in income through a Protected Income Value mechanism, a shorter surrender commitment, or a death-benefit roll-up beyond the standard death-benefit terms — none of those are what this contract is built to deliver.

Free Comparison Report

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See how American Equity AssetShield 9 compares for your age, state, premium, and income goals alongside other American Equity Investment Life Insurance Company fixed indexed annuity options.

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All crediting strategies

View rate listings (44 strategies)

These are the current crediting strategies available 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

9-yr surrenderDoes not vary by premium

Par: 140% · 1-yr

BNP Paribas Patriot Technology Index

Performance Rate Rider · participation

9-yr surrenderDoes not vary by premium

Par: 100% · 1-yr

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

participation

9-yr surrenderDoes not vary by premium

Par: 90% · 1-yr

BNP Paribas Patriot Technology Index

participation

9-yr surrenderDoes not vary by premium

Par: 80% · 1-yr

NYSE Premier Index

Performance Rate Rider · participation

9-yr surrenderDoes not vary by premium

Par: 80% · 1-yr

Nasdaq Premier Index

Performance Rate Rider · participation

9-yr surrenderDoes not vary by premium

Par: 80% · 1-yr

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

Performance Rate Rider · participation

9-yr surrenderDoes not vary by premium

Par: 75% · 1-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider · participation

9-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

NYSE Premier Index

participation

9-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

Nasdaq Premier Index

participation

9-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

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

participation

9-yr surrenderDoes not vary by premium

Par: 55% · 1-yr

S&P 500 Index

Performance Rate Rider · participation

9-yr surrenderDoes not vary by premium

Par: 45% · 1-yr

BlackRock Adaptive US Equity 15% Index

participation

9-yr surrenderDoes not vary by premium

Par: 40% · 1-yr

S&P 500 Index

participation

9-yr surrenderDoes not vary by premium

Cap: 12% · 1-yr

NYSE Premier Index

cap

9-yr surrenderDoes not vary by premium

Cap: 12% · 1-yr

Nasdaq Premier Index

cap

9-yr surrenderDoes not vary by premium

Cap: 12% · 1-yr

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

cap

9-yr surrenderDoes not vary by premium

Cap: 11.75% · 1-yr

S&P 500 Index

Performance Rate Rider · cap

9-yr surrenderDoes not vary by premium

Cap: 9.25% · 1-yr

S&P 500 Index

cap

9-yr surrenderDoes not vary by premium

Trigger: 8.5% · 1-yr

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

trigger

9-yr surrenderDoes not vary by premium

Trigger: 8.5% · 1-yr

Nasdaq Premier Index

trigger

9-yr surrenderDoes not vary by premium

Cap: 8% · 1-yr

Nasdaq-100 Index

cap

9-yr surrenderDoes not vary by premium

Cap: 7.75% · 1-yr

Dow Jones Industrial Average

cap

9-yr surrenderDoes not vary by premium

Trigger: 6.75% · 1-yr

Nasdaq-100 Index

trigger

9-yr surrenderDoes not vary by premium

Trigger: 6.5% · 1-yr

Dow Jones Industrial Average

trigger

9-yr surrenderDoes not vary by premium

Trigger: 5.75% · 1-yr

S&P 500 Index

trigger

9-yr surrenderDoes not vary by premium

Fixed: 3.8% · 1-yr

Fixed Account

fixed

9-yr surrenderDoes not vary by premium

Cap: 3.2% · 1-yr

S&P 500 Index

Monthly Point to Point with Performance Rate Rider · monthly_sum_cap

9-yr surrenderDoes not vary by premium

Cap: 2% · 1-yr

S&P 500 Index

Monthly Point to Point · monthly_sum_cap

9-yr surrenderDoes not vary by premium

Par: 300% · 2-yr

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

Performance Rate Rider · participation

9-yr surrenderDoes not vary by premium

Par: 190% · 2-yr

BNP Paribas Patriot Technology Index

Performance Rate Rider · participation

9-yr surrenderDoes not vary by premium

Par: 180% · 2-yr

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

participation

9-yr surrenderDoes not vary by premium

Par: 125% · 2-yr

BNP Paribas Patriot Technology Index

participation

9-yr surrenderDoes not vary by premium

Par: 115% · 2-yr

NYSE Premier Index

Performance Rate Rider · participation

9-yr surrenderDoes not vary by premium

Par: 115% · 2-yr

Nasdaq Premier Index

Performance Rate Rider · participation

9-yr surrenderDoes not vary by premium

Par: 115% · 2-yr

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

Performance Rate Rider · participation

9-yr surrenderDoes not vary by premium

Par: 90% · 2-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider · participation

9-yr surrenderDoes not vary by premium

Par: 85% · 2-yr

NYSE Premier Index

participation

9-yr surrenderDoes not vary by premium

Par: 85% · 2-yr

Nasdaq Premier Index

participation

9-yr surrenderDoes not vary by premium

Par: 85% · 2-yr

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

participation

9-yr surrenderDoes not vary by premium

Par: 60% · 2-yr

BlackRock Adaptive US Equity 15% Index

participation

9-yr surrenderDoes not vary by premium

Cap: 35% · 2-yr

NYSE Premier Index

cap

9-yr surrenderDoes not vary by premium

Cap: 35% · 2-yr

Nasdaq Premier Index

cap

9-yr surrenderDoes not vary by premium

Cap: 35% · 2-yr

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

cap

9-yr surrenderDoes not vary by premium

Accumulation profile

Accumulation-focused contract

Current CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about American Equity AssetShield 9

● Can I lose money in American Equity AssetShield 9?

A negative index return by itself does not reduce the contract's account value: American Equity AssetShield 9 credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 9 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do American Equity AssetShield 9's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current American Equity AssetShield 9 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

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.

Cap-rate floor

0.50%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

1.00%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

0.50%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

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

8.3%

Yr 2

8.25%

Yr 3

7.25%

Yr 4

6.25%

Yr 5

5.2%

Yr 6

4.2%

Yr 7

3.15%

Yr 8

2.1%

Yr 9

1%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

American Equity AssetShield 9 Sales Brochure - CA-2.pdf

Confidence: highReviewed Apr 1, 2026

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

product guide

American Equity AssetShield 9 Sales Brochure - CA.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 9 currently shows 44 indexed or fixed crediting options, including S&P 500 Index, with 32 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9.25% annual cap
  • S&P 500 Index: 2% monthly point-to-point cap
  • S&P 500 Index: 11.75% annual cap, Performance Rate Rider, 1.5% annual strategy fee
  • S&P 500 Index: 3.2% monthly point-to-point cap, Performance Rate Rider, 1.5% annual strategy fee

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
  • 9 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 9 Sales Brochure - CA-2.pdf and American Equity AssetShield 9 Sales Brochure - CA.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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Free Comparison Report

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See how American Equity AssetShield 9 compares for your age, state, premium, and income goals alongside other American Equity Investment Life Insurance Company fixed indexed annuity options.

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