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Traditional Fixed Annuities

A traditional fixed annuity is a contract between you and American Equity that allows the accumulation of interest based on a fixed interest rate determined at the beginning of the contract. A traditional fixed annuity includes:

  • A competitive interest rate declared by American Equity guaranteed for a specified period of time
  • A guaranteed minimum interest rate over the term of the contract
  • An interest rate that cannot drop below the guaranteed minimum rate established at the beginning of
    the contract
Benefits and Features of Our Traditional Fixed Annuity
  • Tax-deferred growth - Taxes are not owed until a withdrawal is made
  • Competitive current and renewal interest rates
  • Systematic withdrawals of interest available immediately*
  • Ability to satisfy IRS Required Minimum Distribution (RMD) immediately*
  • Access to funds at any time (subject to applicable Surrender Charges)
  • Lifetime Income Benefit Rider*** - Guaranteed income that cannot be outlived

Traditional Fixed Annuity Products**

 *Benefit not guaranteed and subject to change.
**Availability may vary by state.
***Available on RateShield Series only.
Features and benefits may vary by product and state.  Please review the contract or product disclosure for more information.
Annuities are products of the insurance industry and are not guaranteed by any bank or insured by the FDIC.
Guarantees are based on the financial strength and claims paying ability of American Equity.
American Equity Investment Life Insurance Company® does not offer legal, investment, or tax advice. Please consult a qualified professional.