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fixed annuities

Fixed Indexed Annuity Details

Product Name

Retirement Gold

Annuity Type

Fixed Indexed Annuity

Issuing Insurance Company and Ratings

(4th of 15 ratings)
(7th of 20 ratings)
Not Rated
(7th of 21 ratings)
(percentile of rated companies)

Product Information

The Retirement Gold is a deferred fixed indexed annuity issued by American Equity Investment Life Ins Co.

This annuity offers 8.00% as an upfront bonus. When your full premium deposit is allocated to the fixed interest account, the current first year yield (including bonus if applicable) is 9.08% (see Rate Details below).

You can also allocate your premium between various strategy and index account options. For complete details on index account options, including current cap and participation rates, please contact AnnuityAdvantage at 1.800.239.0356.

An income rider is available that provides the option of activating a guaranteed lifetime income stream at a future date. The income payments cannot be outlived and your contract does not need to be annuitized.

During the time in which the annuity is subject to surrender penalties, there are policy provisions that allow partial access on a penalty free basis. Beginning in the second contract year, this annuity provides up to 10% (noncumulative) of the contract value as the penalty free withdrawal amount that may be withdrawn from the annuity each contract year.

This annuity also waives withdrawal penalties upon death. Your named beneficiary(ies) will receive a death benefit equal to the full accumulation value. A beneficiary may choose to receive their death benefit in either a lump sum or select an available annuitization option.

Details on additional penalty waivers can be found in the Penalty Free Withdrawal Provisions section below.

American Equity Investment Life Ins Co is rated “A-” by A.M. Best, was founded in 1980, and has over $60.4 billion in total assets.

Rate Details

Mar 24th, 2023
Not Scheduled

Premium Amount: $5,000 - See Notes

Fixed Account First Year Yield: 9.08%
Upfront Bonus: 8.00%
Fixed Account Current Interest Rate: 1.00%
Fixed Account Guaranteed Minimum Interest Rate: 1.00%
Index Accounts - Annual Cap and Participation Rates:
S&P 500 - Point-to-Point Cap: 1.75%
S&P 500 - Participation Rate: 10.00%

Initial Surrender Charge and MVA Periods

10 years


14 years

State variations may exist, refer to product disclosure for details.

Policy Details

See Notes
See Notes
Accumulation Value

Penalty Free Withdrawal Provisions

Annuitization, Death, Nursing Home and Terminal Illness

See product brochure, disclosure and riders for additional details, limitations and availability. State variations, age restrictions and holding periods may apply.

State Variations

Not available in:  AK, CA, CT, DE, MN, NV, NJ, NY, OH, OK, OR, PA, SC, TX, UT and WA (as of 05/31/2019)

For IN Issue Ages 74-78: The Upfront Bonus is reduced to 5.00% and the bonus vesting schedule is reduced to 10 years.
For FL: The bonus vesting schedule is reduced to 10 years.


While Surrender Charges last for 10 years, the Upfront Bonus is not fully vested for 14 years.

Max Premium:
18-69: $1,500,000
70-74: $1,000,000
75-78: $750,000