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Product Details
California IncomeShield 9
Company social profile:
Product Name
California IncomeShield 9
Annuity Type
FIA
Issuing Insurance Company and Ratings
American Equity Investment Life Insurance Company
Ratings
Product Information
The California IncomeShield 9 is a Flexible Premium Deferred Index Annuity with a 9 Year Surrender Charge Period with a Market Value Adjustment provision. Includes a Premium Bonus of 14% on all premiums paid in year 1. Offers multiple indexed strategies. Includes LIBR rider options (1.10% or 1.20% fee).
Key Features
Premium Types: Flexible for Life of the Product
Minimum Premium: $5,000
Maximum Premium: $1,500,000 (age-banded)
Free Look Period: 15 Days
Rate Lock Period: N/A
Rates
Effective Date: 01/01/2026
Initial Guarantee Period: 9 years
Next Change: N/A — not specified
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Premium Amount: $5,000 - $1,500,000 (age-banded)
Current
9 Year Guarantee Period Annual Yield:
2.10%%
Interest rate start of year 1 through end of year 9:
2.10%%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
Only available in CA
Withdrawal Provisions
First Year Withdrawals: Interest Only
Withdrawal Years 2+: 10%
Wait Period Interest Only : 30 Days
Withdraw from the accumulation Value After : One Year
Minimum Policy Value : –
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: –
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 80 years old
State Restrictions: Only available in CA
