Is American Equity a Good Insurance Company?
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Is American Equity a good insurance company? They are one of the leading providers of fixed and fixed indexed annuities in the United States. Founded in 1995 and headquartered in West Des Moines, Iowa, the company has grown to serve policyholders nationwide with a focus on retirement income security. Known for competitive rates, innovative product designs, and strong customer service, American Equity has become a trusted choice for many retirees and pre-retirees. At Diversified Insurance Brokers, we frequently recommend American Equity when clients are looking for dependable guaranteed income and principal protection options.
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American Equity’s Financial Strength
When evaluating an insurance company, financial stability is essential. American Equity maintains strong ratings that demonstrate its ability to meet policyholder obligations:
- A.M. Best: A- (Excellent)
- Standard & Poor’s: A- (Strong)
- Fitch Ratings: A- (Strong)
These ratings show that American Equity has the resources and discipline to honor its long-term commitments, making it a reliable partner for retirement planning.
Popular American Equity Annuity Products
American Equity specializes in fixed and fixed indexed annuities that provide principal protection and income certainty. Here are some of their most recognized products:
- American Equity Bonus Gold® – Offers an upfront premium bonus, multiple crediting strategies, and a strong guaranteed income rider for long-term retirement income security.
- American Equity AssetShield® Series – A flexible FIA with multiple index crediting options, designed for growth potential with downside protection.
- American Equity IncomeShield® – Focused on delivering dependable lifetime income through guaranteed withdrawal benefits and growth features.
- American Equity Guarantee Series® – A multi-year guaranteed annuity (MYGA) offering fixed interest rates for predictable growth and security.
At Diversified Insurance Brokers, we evaluate each of these products against your retirement income needs, helping you select the best fit for your goals.
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Why Consider American Equity for Retirement Planning?
American Equity stands out in the annuity market for several reasons:
- Specialized Expertise – They focus almost exclusively on annuities, ensuring product innovation and competitive offerings.
- Income Security – Many products include lifetime income riders that protect you from outliving your savings.
- Growth with Protection – Fixed indexed annuities allow for upside potential tied to market performance while ensuring your principal is never at risk from market downturns.
- Flexible Terms – From multi-year guarantees to income-focused options, American Equity offers products for a variety of retirement needs.
Is American Equity a Good Fit for You?
Is American Equity a good insurance company? If you’re looking for a financially stable company that focuses on delivering dependable retirement income, American Equity is a strong contender. Their product lineup caters to both accumulation-focused savers and retirees needing guaranteed lifetime income. Diversified Insurance Brokers can help you determine which American Equity annuity—if any—is best suited for your financial goals.
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FAQs: Is American Equity a Good Insurance Company?
What financial strength ratings does American Equity have?
American Equity has strong ratings from major rating agencies: A- (Excellent) from A.M. Best; “A” (Strong) from Standard & Poor’s; “A” from Fitch. These reflect its ability to meet its financial obligations.
How stable is their company ownership?
American Equity is part of the Brookfield Wealth Solutions group, which adds a level of institutional backing and long-term stability.
What products are they known for?
They are particularly well known for fixed annuities and fixed indexed annuities, offering a variety of guarantee and income rider features.
Are there complaints or negative points?
As with any large insurer, customer reviews are mixed. Some praise their product guarantees and financial strength; others mention customer service, fees, surrender charges, and rate competitiveness as areas to review.
How do their payout rates compare?
Payouts depend heavily on age, features, riders, and state. American Equity rates are competitive for many fixed & fixed indexed annuity products, but as always, the “best” depends on your specific scenario. Comparing multiple carriers can help.
Is American Equity financially secure?
Yes. Their balance sheet, assets vs liabilities, regulatory oversight, and ratings all indicate good financial security for the promises they make.
