American Equity AssetShield 10 Bonus Annuity – 14% Premium Bonus With Protected Growth
Maximize Growth With Bonus Protection
At Diversified Insurance Brokers, we help individuals secure stronger retirement outcomes through annuity solutions that combine upside potential and downside protection. The AssetShield 10 Bonus Fixed Index Annuity, issued by American Equity Investment Life Insurance Company, delivers a compelling combination of growth and security—highlighted by a 14% premium bonus that jumpstarts your account value from day one.
Ideal for individuals who want to grow their assets while avoiding market losses, this annuity offers powerful indexing options, liquidity, and enhanced income features.
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Index Strategies That Match Your Goals
With AssetShield 10 Bonus, you can choose from diverse index crediting options to tailor your growth potential:
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BlackRock Adaptive U.S. Equity 7% Index – Uses smart risk-control for stable returns
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BNPP Patriot Technology Index – Offers exposure to technology-driven U.S. companies
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S&P 500® Dividend Aristocrats® Daily Risk Control 5% ER Index – Focuses on high-quality dividend stocks with volatility reduction
Each strategy is designed to perform well under different market conditions, giving you control and flexibility in pursuit of long-term growth.
Boost Performance With the PRR
Included with this annuity is the Performance Rate Rider (PRR), which enhances your participation rates in chosen index strategies. This optional rider is automatically added, giving you greater earnings potential without sacrificing protection.
Liquidity and Health-Based Benefits
You can access up to 10% of your contract value per year without surrender charges after the first year. Plus, the Enhanced Benefit Rider offers penalty-free access in the event of nursing home confinement or terminal illness—a valuable feature that comes at no additional cost.
Why Consider the AssetShield 10 Bonus?
This annuity is ideal for:
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Savers looking to boost initial account value with a 14% premium bonus
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Investors who want market-linked growth without exposure to downside risk
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Individuals nearing or entering retirement who need flexible access to funds
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Families focused on legacy and income protection
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 Bonus
What is American Equity AssetShield 10 Bonus?
AssetShield 10 Bonus is a fixed indexed annuity with a 10-year surrender schedule and a contract bonus credited at issue (or first contract anniversary, depending on the version). It combines principal protection, index-linked growth potential, and bonus-enhanced accumulation — popular among savers seeking balance of safety and upside.
How does the bonus work in AssetShield 10 Bonus?
The bonus is added to your account or benefit base at issuance (or shortly afterward), increasing the value used for interest crediting and possible future income calculations. The bonus may be subject to vesting over the surrender period, and early withdrawals or surrenders may result in forfeiture of unvested bonus amounts.
How is interest credited?
Interest is credited using whichever indexing or fixed-rate option you select. Indexed crediting may involve participation rates, caps, or spreads. As with other fixed indexed annuities, principal and previously credited interest are protected from market losses.
Does AssetShield 10 Bonus allow penalty-free withdrawals?
Yes. Typically the contract includes an annual penalty-free withdrawal allowance (a percentage of account value) once the first contract year has passed. This aligns with standard practices described on our annuity free withdrawal rules page.
Can this annuity be used for retirement income?
Yes. While AssetShield 10 Bonus is primarily an accumulation annuity, the bonus-enhanced growth and credited value can be converted later into a lifetime income strategy or paired with other income-oriented tools. For broader ideas, see our best retirement income annuity options guide.
What are the trade-offs or limitations?
Because it carries a surrender schedule, early surrender or excess withdrawals may trigger surrender charges and possible forfeiture of unvested bonus credits. Additionally, index-linked growth may be limited by caps, participation rates, or spreads — which can reduce upside in strong markets.
Who is AssetShield 10 Bonus best suited for?
It’s suited for savers who want a fixed indexed annuity combining principal protection, bonus-enhanced accumulation, and the flexibility to withdraw limited amounts annually — especially those planning long-term accumulation or future income conversion.
How can I compare AssetShield 10 Bonus with other annuities?
Compare crediting mechanics (caps, participation, spreads), bonus terms and vesting schedule, surrender charges, withdrawal rules, and long-term growth potential. Use up-to-date data on our current annuity rate page to run side-by-side illustrations.
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.
