Ratings last updated July 30, 2026
American Equity Investment Life Insurance Company is an insurance carrier whose annuities appear on AnnuaLife's rate boards. It holds an AM Best financial-strength rating of A (Excellent).
AM Best assigns American Equity Investment Life Insurance Company a financial-strength rating of A, which sits in its "Excellent" category. An AM Best rating is an independent opinion of an insurer's ability to meet its ongoing insurance and annuity obligations, its claims-paying ability. It is not a measure of investment performance, and it is not a guarantee. Annuities are backed by the issuing insurer, not the FDIC. An A reflects AM Best's assessment that the company has an excellent ability to meet those obligations. Ratings can change; the rating shown here was last checked July 30, 2026.
American Equity lists fixed index annuities (FIAs) on AnnuaLife, its AssetShield series. These products are covered in our fixed index guide rather than on individual detail pages. Caps below are examples as of July 30, 2026 and vary by state.
| Product | Index | Cap | Participation | Minimum |
|---|---|---|---|---|
| AssetShield 10 | S&P 500 annual pt-to-pt | 11.75% | 55% | $5,000 |
| AssetShield 9 | S&P 500 annual pt-to-pt | 11.75% | 55% | $5,000 |
| AssetShield 7 | S&P 500 annual pt-to-pt | 11.50% | 55% | $5,000 |
Fixed index annuities work differently from fixed-rate products. Learn how caps and participation rates shape your return in the fixed index annuity guide.
Sources: Companies History. Company facts last checked July 30, 2026.
American Equity is a large, long-standing fixed index annuity specialist with an A ("Excellent") AM Best rating and, since 2024, the backing of Brookfield Reinsurance. Its AssetShield index caps sit around 11.5% to 11.75%, mid-pack on our board, paired with a 55% participation rate; some lower-rated carriers post higher caps. The low $5,000 minimum makes it one of the easier A-rated FIAs to start. If a strong rating and a focused FIA specialist matter to you, it fits. An advisor can compare its caps and participation against the board for your situation.
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