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 5 Positive Reviews –  1 Negative Reviews |
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Facts, Reviews & Ratings
Visit American Equity’s Website to learn more:
- Emphasis on Fixed Annuities
- 41,000 individual U.S. agents
- Serving client’s since 1995
- Number three in U.S. FIA sales last four quarters3
- A- Rating with AM Best
At American Equity Investment Life Insurance Company, our employee/owners are committed to a “Vision of the Future” for policyowners based on the following principles of excellence…
SUPERIOR SERVICE
The leadership of a senior management team with more than 200 years of combined experience in the annuity and life insurance industry helps ensure the realization of our vision.
We view each employee as an integral component in delivering the heart of our mission — Superior Service!
Our service commitment begins during and continues after the purchase of an annuity contract or life insurance policy. This means easy to understand product brochures and forms, maximum annuity contract issue time of 48 hours.
During the last decade alone, this management group helped thousands of annuity contract owners reap the rewards of tax-deferred wealth accumulation.1
American Equity Investment Life Holding Company, through its subsidiaries, provides annuities and life insurance products in the United States and the District of Columbia. The company underwrites annuity and insurance products, as well as collects renewal premiums on certain accident and health insurance policies. Its annuity products include fixed index annuities and fixed rate annuities, as well as single premium immediate annuities. The company’s insurance products comprise traditional ordinary and term, universal life, and other interest-sensitive life insurance products. It markets its products through a brokerage distribution network of approximately 50 national marketing organizations and approximately 41,000 independent agents. The company was founded in 1995 and is based in West Des Moines, Iowa.2
Citations
1. http://www.american-equity.com/main/vision.asp
2. http://investing.businessweek.com/research/stocks/snapshot/snapshot.asp?ticker=AEL:US
3. http://www.indexannuity.org/ic2010.htm#1q10
Why are the annuities offering substantial bonuses (7 years of immediately vested bonus on each premium dollar paid) re Midland National Insurance Capstone 14 and North American Company for Life and Health Insurance Charter 14 systematically ignored.
ING and AVIVA offer mediocre annuities with trivial bonuses. ALLIANZ Master Dex only vests 1/10 of its 10% bonus each year.
All annuities referenced by me are bonus-offering Fixed Indexed Annuities — the only type of annuity I would recommend — (except for ING).
AVIVA’s website is poor, always two business days behind in displaying values and nowhere indicates an “as of” day relatying to its values and lacks a complete Transaction history.
– DS
I’m an advisor who often wondered why the top insurance compaines don’t recommend index annuities and ten I read a prospectices and read SEC warnings and then Iknew this was a bad product an often sold by pure insurance rep who lake the education, and licenses that a financial advisor must have. I like some annuities and feel it might make since for some of your money but not all 20%-30% depending on income need. One person said I guess I’m happy with 7% but with being taxed as ordinary income (35%), surrender charges, lake of liquidty, inflation at 3% but only going higher would give you a real return of maybe 2% and retires with healthcare cost, energy, and food only going higher, and the markets will rebond and provide growth far above 7% you should be concerned becuase if the markets don’t go up you might earn 1% on those index annuiites I’d rather own a stock paying 3.5% dividend. SO CA advisor. Start getting better advice!
Now that we are retired itisi nice to know that our income is secure and ou money is safe. We may not be making a lot compared to riskier investments but with our American Equity annuities we ar extremely satisfied with the way they are working. We have recommended them to several of our friends.
We kind of rushed into our American Equity Annuity when the market was free falling back around April of 2009 we were a little disappointed that we only received about 7% interest the first year because the market went up almost 60% from the point we put our money into the annuity. We were told that was due to the annuity having a cap on the earnings. I guess I should be happy with 7% I am ahead and not losing anything thats for sure.
I would be concerned with 7% becuase that you will not earn more ever!
I am retiring in a few years and with the low rates we have been seeing I needed something better. So I went online and researched annuities and rates now I have a plan a planner and some annuities a couple of which are American Equity great company, great rates and a really helpful planner advisor. I am looking forward to retirement its just around the corner now.
Annuities help us sleep better at night and thats the truth. Reliable income and guarantees thats why we did it. Thanks American Equity.
We have never had much support from the agent that helped us originally so we are no thrilled with him but the annuity is great!
Annuities were the furthest thing from our minds and then we went to a seminar back in about July of 2008. It was one of those feed you deals if you come and listen all we went for was the food but it turned out that what we learned may have actually saved our retirement. We put quite a bit of our financial assets into some American Equity annuities and it has really worked out well so far. I would definitely do it again…
I think annuities are away to make insurance companies rich and keep investors poor. I looked at several and considered American Equities so called Bonus Gold. 10% Bonus and a 16 year contract no thanks I’ll take my chances in the market
After putting our money into an American Equity annuity we found that we were not informed properly about the long surrender period and penalties we may need this money for emergencies since we do not have a large nest egg when we confronted the insurance agent about our concerns he was not very helpful and said their was nothing he could do now that we have had the annuity for over six months. We are generally dissatisfied and feel we were not properly informed by this agent.