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Fixed Indexed Annuity

American Equity AssetShield Bonus 9

American Equity Investment Life Insurance Company

5%

Best Cap

10%

Free W/D

California

Only state

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

5% cap on S&P 500

The premium-bonus variant of American Equity's AssetShield 9 chassis — an A-rated, nine-year-surrender fixed indexed annuity that pays a large up-front premium bonus into the account value, with an S&P 500 annual point-to-point cap, a participation-rate option on a proprietary daily-risk-control index, and a declared fixed account, but no income rider.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused California buyers who want a large day-one premium bonus credited to the account value and are willing to accept a longer nine-year surrender lockup and a structurally lower headline cap on the S&P 500 strategy in exchange, with recognizable S&P 500 cap exposure plus a lower-volatility participation-rate alternative inside one contract from a multi-agency-rated carrier.

AM Best

A Excellent

Surrender period

1 years

Free withdrawal

10%/yr

Availability

California only

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5% cap rate

S&P 500

S&P 500 Index

1.25% cap rate

S&P 500

S&P 500 Index

6.75% cap rate

S&P 500

S&P 500 Index

2.5% cap rate

S&P 500

S&P 500 Index

100% participation rate + 3.25% declared rate

S&P 500

S&P 500 Index

15% participation rate

S&P 500

S&P 500 Index

35% participation rate

Nasdaq-100

Nasdaq-100 Index

4.25% cap rate

Nasdaq-100

Nasdaq-100 Index

100% participation rate + 3.75% declared rate

Dow Jones

Dow Jones Industrial Average

4% cap rate

Dow Jones

Dow Jones Industrial Average

100% participation rate + 3.5% declared rate

Fixed Account

Fixed Account

1.9% declared rate

+ 31 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

  • Contract pays a large up-front premium bonus on every dollar of premium, applied to the account value at issue — the 'Bonus' designation in the name comes from this credit, which the base AssetShield 9 chassis does not carry. Read the bonus rate and any vesting schedule in the bonus section before reading any crediting number on this page.
  • Crediting menu pairs a recognizable S&P 500 Index annual point-to-point cap with a participation-rate allocation on a dividend-aristocrats daily-risk-control excess-return index, giving the buyer one clean apples-to-apples cap alongside a lower-volatility participation alternative inside the same contract.
  • A declared fixed-rate bucket sits alongside the index strategies, so a buyer can park part of the premium in a non-indexed allocation without leaving the contract.
  • Carrier financial-strength is rated by more than one independent agency (A.M. Best and Standard & Poor's), so the strength view on this page is not a single-source read.

What to confirm

  • This is not a guaranteed-lifetime-withdrawal product. The API returns no income rider and no Protected Income Value chassis on this contract — do not compare its payout side-by-side with a rider-led or PIV-led income FIA. The only optional contract features published here are nursing-home, terminal-illness, and other surrender waivers, none of which is a lifetime-income guarantee.
  • The premium bonus is paid for through structurally tighter crediting and a longer surrender horizon than the base AssetShield 9 chassis: the headline S&P 500 cap on the bonus variant runs materially lower than the cap on the non-bonus sibling, and the surrender schedule runs the full nine years. Read the bonus as a deferred trade for lower headline crediting and longer lockup, not as free money on top of the same caps.
  • The death benefit on this contract is the carrier's standard death benefit with no roll-up and no step-up — heirs receive the contract value under the standard rules, not an account-value bump or a rolled-up income base, so buyers prioritizing a guaranteed legacy enhancement should evaluate that separately.
  • This filing is currently state-restricted to California only on this rollout — buyers outside California will see this product as unavailable, and the comparable sibling for other states is the non-bonus AssetShield 9 (a different filing with its own crediting and surrender terms).

Not ideal for

Buyers who need a guaranteed lifetime withdrawal rate from a GLWB rider or a Protected Income Value income mechanism, prefer a shorter surrender commitment, want the highest published cap on the AssetShield 9 chassis without the bonus tradeoff, expect an account-value or rolled-up death benefit, or live outside California — none of those are what this filing is built to deliver.

All crediting strategies

View rate listings (86 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: 170% · 1-yr

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

Performance Rate Rider w/Strategy Fee · participation

9-yr surrender

Par: 125% · 1-yr

BNP Paribas Patriot Technology Index

Performance Rate Rider w/Strategy Fee · participation

9-yr surrender

Par: 100% + Fixed: 4.8% · 1-yr

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

trigger

9-yr surrender

Par: 100% + Fixed: 3.25% · 1-yr

S&P 500 Index

trigger

9-yr surrender

Par: 100% + Fixed: 3.5% · 1-yr

Dow Jones Industrial Average

trigger

9-yr surrender

Par: 100% + Fixed: 3.75% · 1-yr

Nasdaq-100 Index

trigger

9-yr surrender

Par: 100% + Fixed: 4.75% · 1-yr

Nasdaq Premier Index

trigger

9-yr surrender

Par: 85% · 1-yr

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

participation

9-yr surrender

Par: 75% · 1-yr

BNP Paribas Patriot Technology Index

participation

9-yr surrender

Par: 60% · 1-yr

NYSE Premier Index

Performance Rate Rider · participation

9-yr surrender

Par: 60% · 1-yr

Nasdaq Premier Index

Performance Rate Rider · participation

9-yr surrender

Par: 60% · 1-yr

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

Performance Rate Rider · participation

9-yr surrender

Par: 60% · 1-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider · participation

9-yr surrender

Par: 40% · 1-yr

BlackRock Adaptive US Equity 15% Index

participation

9-yr surrender

Par: 38% · 1-yr

NYSE Premier Index

participation

9-yr surrender

Par: 38% · 1-yr

Nasdaq Premier Index

participation

9-yr surrender

Par: 38% · 1-yr

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

participation

9-yr surrender

Par: 35% · 1-yr

S&P 500 Index

Performance Rate Rider w/Strategy Fee · participation

9-yr surrender

Par: 15% · 1-yr

S&P 500 Index

participation

9-yr surrender

Cap: 6.75% · 1-yr

S&P 500 Index

Performance Rate Rider w/Strategy Fee · cap

9-yr surrender

Cap: 5.5% · 1-yr

NYSE Premier Index

cap

9-yr surrender

Cap: 5.5% · 1-yr

Nasdaq Premier Index

cap

9-yr surrender

Cap: 5.5% · 1-yr

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

cap

9-yr surrender

Cap: 5% · 1-yr

S&P 500 Index

cap

9-yr surrender

Cap: 4.25% · 1-yr

Nasdaq-100 Index

cap

9-yr surrender

Cap: 4% · 1-yr

Dow Jones Industrial Average

cap

9-yr surrender

Cap: 2.5% · 1-yr

S&P 500 Index

Monthly PTP w/ erformance Rate Rider, Strategy Fee · monthly_sum_cap

9-yr surrender

Fixed: 1.9% · 1-yr

Fixed Account

fixed

9-yr surrender

Cap: 1.25% · 1-yr

S&P 500 Index

Monthly Point to Point · monthly_sum_cap

9-yr surrender

Par: 260% · 2-yr

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

Performance Rate Rider w/Strategy Fee · participation

9-yr surrender

Par: 160% · 2-yr

BNP Paribas Patriot Technology Index

Performance Rate Rider w/Strategy Fee · participation

9-yr surrender

Par: 110% · 2-yr

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

participation

9-yr surrender

Par: 100% · 2-yr

BNP Paribas Patriot Technology Index

participation

9-yr surrender

Par: 95% · 2-yr

NYSE Premier Index

Performance Rate Rider · participation

9-yr surrender

Par: 95% · 2-yr

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

Performance Rate Rider · participation

9-yr surrender

Par: 80% · 2-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider · participation

9-yr surrender

Par: 58% · 2-yr

NYSE Premier Index

participation

9-yr surrender

Par: 58% · 2-yr

Nasdaq Premier Index

participation

9-yr surrender

Par: 58% · 2-yr

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

participation

9-yr surrender

Par: 50% · 2-yr

BlackRock Adaptive US Equity 15% Index

participation

9-yr surrender

Cap: 14% · 2-yr

NYSE Premier Index

cap

9-yr surrender

Cap: 14% · 2-yr

Nasdaq Premier Index

cap

9-yr surrender

Cap: 14% · 2-yr

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

cap

9-yr surrender

Par: 170% · 1-yr

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

Performance Rate Rider w/Strategy Fee

Par: 125% · 1-yr

BNP Paribas Patriot Technology Index

Performance Rate Rider w/Strategy Fee

Par: 100% + Fixed: 4.8% · 1-yr

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

Par: 100% + Fixed: 3.25% · 1-yr

S&P 500 Index

Par: 100% + Fixed: 3.5% · 1-yr

Dow Jones Industrial Average

Par: 100% + Fixed: 3.75% · 1-yr

Nasdaq-100 Index

Par: 100% + Fixed: 4.75% · 1-yr

Nasdaq Premier Index

Par: 85% · 1-yr

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

Par: 75% · 1-yr

BNP Paribas Patriot Technology Index

Par: 60% · 1-yr

NYSE Premier Index

Performance Rate Rider

Par: 60% · 1-yr

Nasdaq Premier Index

Performance Rate Rider

Par: 60% · 1-yr

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

Performance Rate Rider

Par: 60% · 1-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider

Par: 40% · 1-yr

BlackRock Adaptive US Equity 15% Index

Par: 38% · 1-yr

NYSE Premier Index

Par: 38% · 1-yr

Nasdaq Premier Index

Par: 38% · 1-yr

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

Par: 35% · 1-yr

S&P 500 Index

Performance Rate Rider w/Strategy Fee

Par: 15% · 1-yr

S&P 500 Index

Cap: 6.75% · 1-yr

S&P 500 Index

Performance Rate Rider w/Strategy Fee

Cap: 5.5% · 1-yr

NYSE Premier Index

Cap: 5.5% · 1-yr

Nasdaq Premier Index

Cap: 5.5% · 1-yr

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

Cap: 5% · 1-yr

S&P 500 Index

Cap: 4.25% · 1-yr

Nasdaq-100 Index

Cap: 4% · 1-yr

Dow Jones Industrial Average

Cap: 2.5% · 1-yr

S&P 500 Index

Monthly PTP w/ erformance Rate Rider, Strategy Fee

Fixed: 1.9% · 1-yr

Fixed Account

Cap: 1.25% · 1-yr

S&P 500 Index

Monthly Point to Point

Par: 260% · 2-yr

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

Performance Rate Rider w/Strategy Fee

Par: 160% · 2-yr

BNP Paribas Patriot Technology Index

Performance Rate Rider w/Strategy Fee

Par: 110% · 2-yr

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

Par: 100% · 2-yr

BNP Paribas Patriot Technology Index

Par: 95% · 2-yr

NYSE Premier Index

Performance Rate Rider

Par: 95% · 2-yr

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

Performance Rate Rider

Par: 80% · 2-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider

Par: 58% · 2-yr

NYSE Premier Index

Par: 58% · 2-yr

Nasdaq Premier Index

Par: 58% · 2-yr

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

Par: 50% · 2-yr

BlackRock Adaptive US Equity 15% Index

Cap: 14% · 2-yr

NYSE Premier Index

Cap: 14% · 2-yr

Nasdaq Premier Index

Cap: 14% · 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

Premium bonus

14%

Bonus terms can vary by state, premium band, and rider election.

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

7%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

American Equity AssetShield Bonus 9 brochure pdf.pdf

Confidence: highReviewed Apr 2, 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 Bonus 9 currently shows 43 distinct indexed or fixed crediting choices across 86 current rate listings, including S&P 500 Index, with 27 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: 5% cap
  • S&P 500 Index: 1.25% cap
  • S&P 500 Index: 6.75% 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
  • 1 surrender year
  • 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 Bonus 9 brochure pdf.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

Free Comparison Report

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