Protection in Bear Conditions
Downturns Don’t Have to Be Setbacks. The closer retirement becomes, the more important protection is. The gains required to recover losses incurred increase exponentially.
We can’t predict what will happen, but we can help protecthard-earned dollars from index volatility with a fixed index annuity.
Fixed Index Annuity Benefits:
- Principal protection
- Interest credited cannot be lost due to index decrease
- Multiple surrender charge schedule options
- Lifetime income options
- Up to 10% free withdrawal provisions
*Based on S&P 500® monthly returns from 1926-12/31/18. Bear market is defined as 20% drop in index from most recent high. Bull markets in the same time period, averaged 9.1 years in duration, with an average cumulative total return of 473%.1Chart represents the gain required to make up for the loss from the prior year. Hypothetical example: Year 1 (Loss) reflects $100,000-30%=$70,000. Year 2 (Gain) reflects $70,000 + 43% (42.8571…) = $100,000.Fixed index annuities are not an investment, but an insurance product, and do not directly invest in the stock market or an index itself. Other retirement options may also support similar goals. American Equity does not provide investment, legal or tax advice. Each client has specific needs which should be discussed with a qualified legal or tax advisor. The “S&P 500® and/or Dow Jones®” is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by American Equity Investment Life Insurance Company (“AEL”). Standard & Poor’s® and S&P®are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). These trademarks have been licensed to SPDJI and sublicensed for certain purposes by AEL. AEL’s products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates, and such parties make no representations regarding the advisability of investing in such product(s) and have no liability for any errors, omissions, or interruptions of the S&P and/or Dow Jones. Guarantees are based on the financial strength and claims paying ability of American Equity and are not guaranteed by any bank or insured by the FDIC. Please see product specific disclosure documents for additional details.