American Equity annuities: the indexed annuity specialist and its income riders
by InsuraCentralStaff25d ago1 views
American Equity focuses on annuities, which makes it a common comparison against Athene and F&G in the FIA conversation.
Products. Fixed indexed annuities with income riders, and fixed-rate options. Rates and caps per the current sheet.
Where it fits. Income-focused clients and clients moving CD money who want a floor.
What to check. Rider fees and roll-up terms, surrender schedule, and the payout factors at the client's planned age. Compare the guaranteed income, not the illustrated accumulation.
Suitability. Standard review; clear rationale required.
Process. E-application and suitability, funds transfer for rollovers.
Client conversation. A specialist carrier; the ratings and the guaranteed numbers are the conversation.
How does American Equity's guaranteed income compare with Athene's on a same-premium case for a 62-year-old?