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Product Details
GuaranteeShield 3
Company social profile:
Product Name
GuaranteeShield 3
Annuity Type
MYGA
Issuing Insurance Company and Ratings
American Equity Investment Life Insurance Company
Ratings
Product Information
The GuaranteeShield 3 is a single premium fixed deferred annuity with a 3 year withdrawal charge period and an MVA provision. Also includes an enhanced benefit rider for additional liquidity. Guaranteed Rates: Low Band ($10k–$99,999) 3.50%, Mid Band ($100k–$249,999) 3.75%, High Band ($250k–$1.5M) 3.75% — all guaranteed for 3 years.
Key Features
Premium Types: Single
Minimum Premium: $10,000
Maximum Premium: $1,500,000 (age-banded)
Free Look Period: 10 Days
Rate Lock Period: N/A
Rates
Effective Date: 12/11/2025
Initial Guarantee Period: 3 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: $100,000+
Current
3 Year Guarantee Period Annual Yield:
3.75%%
Interest rate start of year 1 through end of year 3:
3.75%%
Accumulation Value (assuming no withdrawals)
Premium Amount: $25,000 - $99,999
Current
3 Year Guarantee Period Annual Yield:
3.50%%
Interest rate start of year 1 through end of year 3:
3.50%%
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
Not available in GU NY PR VI
Withdrawal Provisions
First Year Withdrawals: No
Withdrawal Years 2+: 10%
Wait Period Interest Only : 1 Year
Withdraw from the accumulation Value After : One Year
Minimum Policy Value : $2,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $15
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 85 years old
State Restrictions: Not available in GU NY PR VI
