American Equity AssetShield 10 Annuity – Market Growth Without Market Risk
Protect Your Retirement While Pursuing Growth
At Diversified Insurance Brokers, we help individuals build financial security with annuities designed to capture upside potential while eliminating downside risk. The AssetShield 10 Fixed Index Annuity, issued by American Equity Investment Life Insurance Company, is a powerful option for those seeking long-term growth without exposing their savings to market volatility.
This product combines reliable protection, flexible access, and advanced performance features, making it a smart choice for retirees and pre-retirees alike.
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Flexible Index Strategies With Upside Potential
AssetShield 10 allows you to choose from a wide range of index crediting strategies, including:
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BlackRock Adaptive U.S. Equity 7% Index – Adjusts dynamically to market conditions for smoother growth
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BNPP Patriot Technology Index – A diversified strategy with exposure to cutting-edge tech leaders
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S&P 500® Dividend Aristocrats® Daily Risk Control 5% ER Index – Focuses on high-quality, dividend-paying companies with reduced volatility
These index options allow for diversification and the ability to align with your specific financial objectives and risk tolerance.
Boosted Growth With the Performance Rate Rider (PRR)
The Performance Rate Rider (automatically included with the AssetShield 10) increases participation rates on select index strategies—giving you even more growth potential when the market performs well. This feature helps you maximize accumulation without giving up the security of principal protection.
Liquidity and Health-Based Protection
After the first contract year, you can withdraw up to 10% of your contract value annually without penalty. For unexpected health events, the Enhanced Benefit Rider provides penalty-free access to your full contract value in the event of nursing home confinement or terminal illness—offered at no extra cost.
Is AssetShield 10 Right for You?
This annuity is ideal for:
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Individuals seeking growth without market downside risk
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Those who want to boost performance with enhanced participation options
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Retirees who need flexibility with health-based liquidity
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Long-term savers looking for protected accumulation and legacy planning
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Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: American Equity AssetShield 10
What is American Equity AssetShield 10?
AssetShield 10 is a fixed indexed annuity with a 10-year surrender schedule, designed to offer principal protection and long-term accumulation through index-linked crediting strategies.
How does AssetShield 10 credit interest?
Interest is credited according to the index-crediting method you choose — which may involve participation rates, cap rates, or spread-based strategies. Regardless of market performance, your original deposit and credited interest remain protected from market downturns.
Are there any upfront bonuses with AssetShield 10?
No. Unlike bonus-enhanced versions, AssetShield 10 does not include an upfront bonus — growth depends solely on interest credited over time through the indexed strategies.
Can I make penalty-free withdrawals?
Yes. AssetShield 10 typically allows a limited annual penalty-free withdrawal after the first contract year, often up to a set percentage of the account value. See our guidelines on annuity free withdrawal rules for general practices.
Is AssetShield 10 a good option for retirement income?
While AssetShield 10 is primarily built for accumulation, you can convert the contract value later into an income annuity or combine it with other lifetime-income products — aligning with strategies described on our retirement income annuity options page.
What are the drawbacks or trade-offs?
Because there is a surrender period, withdrawing beyond the penalty-free allowance or surrendering early may subject you to surrender charges or market-value adjustments. Also, index-linked returns are subject to caps, participation, or spread limits — which may limit growth in strong markets.
Who should consider AssetShield 10?
AssetShield 10 is suited to conservative savers, pre-retirees, or retirees who want a combination of principal protection, tax-deferred accumulation, and the potential upside of indexed crediting — without upfront bonuses or excessive risk.
How can I compare AssetShield 10 with other annuities?
Compare crediting strategy details (caps, participation, spreads), surrender schedules, withdrawal allowances, and historical renewal performance. Use the latest data from our current annuity rates page to run side-by-side comparisons among top offerings.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
