American Equity IncomeShield 10 Annuity – Guaranteed Income, Long-Term Care Benefits, and a 10% Bonus
At Diversified Insurance Brokers, we’re committed to helping individuals create retirement strategies that deliver guaranteed lifetime income, protection from market volatility, and reliable financial security. The American Equity IncomeShield 10 Fixed Index Annuity, issued by American Equity Investment Life Insurance Company, is designed for those seeking dependable growth, flexible access, and built-in protection for long-term care needs.
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10% Premium Bonus for Immediate Value
This annuity begins with a 10% premium bonus, instantly boosting the starting value of your contract. Whether you’re rolling over funds or investing new money, this bonus accelerates your growth and enhances the base for future income benefits.
Market-Linked Growth with Downside Protection
With a variety of index crediting strategies, the American Equity IncomeShield 10 allows your retirement savings to grow based on market performance—without risking your principal during market downturns. This ensures your nest egg remains protected while still benefiting from long-term upside.
Tax-Deferred Compounding
As your earnings grow within the annuity, they’re not taxed until withdrawn, allowing your money to compound more efficiently over time. This makes the annuity ideal for those planning ahead for steady, tax-advantaged retirement income.
Flexible Liquidity and Withdrawal Options
After the first year, you can withdraw up to 10% of your contract value annually without penalties. This provides built-in flexibility for accessing your funds while maintaining long-term growth.
Guaranteed Lifetime Income with LIBR
The Lifetime Income Benefit Rider (LIBR) ensures that you’ll receive guaranteed income for life—even if your account value reaches zero. This feature gives you lasting income security and peace of mind throughout retirement.
Double Income for Long-Term Care Needs
The Wellbeing Benefit Rider can double your income payments for up to five years if you become unable to perform two of six Activities of Daily Living (ADLs). This long-term care enhancement offers valuable support during critical health events, without the need for standalone LTC insurance.
Why Work With Diversified Insurance Brokers
Our experienced advisors help you evaluate and compare annuity options based on your retirement income goals, liquidity needs, and health considerations. The IncomeShield 10 Annuity is ideal for individuals who want a blend of growth, income, and enhanced care benefits—all backed by a strong insurer.
🎯 Want a retirement plan that includes guaranteed income and long-term care protection?
Submit a quote request here to see how the IncomeShield 10 Annuity fits your retirement strategy.
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 IncomeShield 10 Annuity
What is the American Equity IncomeShield 10 Annuity?
The IncomeShield 10 is a fixed indexed annuity with a 10-year accumulation phase, designed to protect principal, offer potential index-based interest crediting, and allow conversion to retirement income through guaranteed payout features.
How does interest or index crediting work?
You can elect either fixed-interest crediting or one or more index-linked crediting strategies. If you choose the index-linked route, interest credits are determined by formulas using caps, participation rates, or spreads — your principal is never directly invested in the stock market.
Is my principal protected?
Yes. As a fixed indexed annuity, the contract protects your accumulation value — your principal cannot decrease due to negative market performance. In down years, you simply do not receive index credits, but your value remains intact (assuming no withdrawals or other contract actions that trigger charges).
What happens at the end of the 10-year period?
At the end of the 10-year accumulation phase, you may choose to begin guaranteed lifetime income, withdraw funds (subject to contract terms), or roll into another product if allowed. Options depend on the contract and any rider selected.
Can I access funds before the end of 10 years?
Typically, contracts allow annual free withdrawals up to a certain percentage of account value after the first contract year. However, withdrawals beyond that or a full surrender during the surrender period could trigger charges or reduce future income guarantees.
Does IncomeShield 10 offer lifetime income or payout options?
Yes. The annuity offers payout options including a guaranteed lifetime income stream (with or without riders), giving flexibility to convert accumulation value into predictable retirement income.
How are withdrawals or income payments taxed?
Earnings grow tax-deferred while inside the annuity. Withdrawals or income payments are taxed as ordinary income. Distributions taken before age 59½ may incur additional IRS penalties depending on your circumstances.
Who might the IncomeShield 10 be a good fit for?
This annuity may appeal to individuals who want principal protection, tax-deferred growth, and eventual guaranteed retirement income — especially those with a 10-year horizon and a moderate-to-conservative risk profile.
What should I keep in mind before purchasing?
Important considerations include surrender-charge schedule, withdrawal limitations, how index-crediting formulas may affect returns, and any costs associated with optional income riders. Ensure the contract matches your liquidity needs and long-term goals.
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.
