American Equity BalanceShield 10 Annuity – Growth Protection With Index Flexibility
Growth Without Market Risk
At Diversified Insurance Brokers, we work with individuals who want the benefits of market-linked returns without the fear of losing principal. The BalanceShield 10 Fixed Index Annuity, issued by American Equity Investment Life Insurance Company, offers a reliable balance of growth potential, income security, and flexible access to your money.
This annuity is built for long-term savers seeking to grow their wealth while protecting it from market downturns—making it a versatile solution for retirement planning.
📄 Click here to request your personalized annuity quote.
Ensure you are receiving the absolute top rates
Current Fixed Annuity Rates
Compare today’s best fixed annuity rates from top carriers.
Current Bonus Annuity Rates
See which annuities offer the highest upfront bonus today.
Request an Annuity Quote
Submit our annuity request form to get personalized rate options.
Lifetime Income Calculator
Use our calculator to see how much guaranteed income your annuity can provide.
Index Crediting Options With Control
The BalanceShield 10 offers a range of index strategies to align with your financial goals and risk preferences, including:
-
BlackRock Adaptive U.S. Equity 7% Index – Designed to adapt to market shifts for steady equity exposure
-
BNPP Patriot Technology Index – A tech-forward strategy with diversified growth potential
-
S&P 500® Dividend Aristocrats® Daily Risk Control 5% ER Index – Focused on quality dividend-paying stocks with built-in risk controls
One standout feature is the Index Lock, which lets you secure your gains before the crediting term ends—an uncommon feature that gives you more control and reduces uncertainty.
Built-In Liquidity and Protection Features
After the first contract year, you can withdraw up to 10% of your contract value annually without penalty, giving you flexibility for planned expenses or emergencies.
The Enhanced Benefit Rider, included at no cost, allows for 100% penalty-free access to your full contract value in the event of qualifying nursing home confinement or terminal illness—helping you or your family avoid difficult financial decisions during a crisis.
Legacy Planning With Gains-to-Date Credit
The Gains-to-Date Credit Death Benefit ensures your loved ones receive not just your contract value, but accrued index interest (even if not yet credited), maximizing the financial legacy you leave behind.
Is BalanceShield 10 a Good Fit for You?
This annuity is a strong fit for:
-
Individuals near or in retirement who want market growth without downside risk
-
Families who value both income flexibility and enhanced health-related benefits
-
Investors who want to lock in gains before a market cycle ends
-
Those focused on maximizing legacy and death benefit value
📄 Click here to request your personalized annuity quote.
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.
Schedule here:
calendly.com/jason-dibcompanies/diversified-quotes
Licensed in all 50 states • Fiduciary, family-owned since 1980
