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Product Details
IncomeShield 7
Company social profile:
Product Name
IncomeShield 7
Annuity Type
FIA
Issuing Insurance Company and Ratings
American Equity Investment Life Insurance Company
Ratings
Product Information
The IncomeShield 7 is a flexible premium fixed index annuity with a 7-year withdrawal charge period and an MVA provision. Offers multiple index-linked strategies and a 1-year guaranteed fixed account. Includes automatic Nursing Home/Terminal Illness waivers for ages 75 and under plus optional LIBR riders for lifetime income.
Key Features
Premium Types: Flexible for Life of the Product
Minimum Premium: $5,000
Maximum Premium: $1,500,000 (18-69); $1,000,000 (70-74); $750,000 (75+)
Free Look Period: 15 Days
Rate Lock Period: N/A
Rates
Effective Date: 01/01/2026
Initial Guarantee Period: 7 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 (18-69); $1,000,000 (70-74); $750,000 (75+)
Current
7 Year Guarantee Period Annual Yield:
1.70%%
Interest rate start of year 1 through end of year 7:
1.70%%
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 CA GU NY PR VI
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 : $2,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $50
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 80 years old
State Restrictions: Not available in CA GU NY PR VI
