American Equity Annuity Rates…

The rates for American Equity annuity in 2015, are 6 percent payout rate for the Lifetime Income Benefit Rider LIBR, 7 percent for the LIBR and Enhanced Death Benefit Rider, and 7.5 percent for the LIBR and Wellbeing Rider.

The American Equity annuity is an indexed annuity that offers a 10 percent bonus with immediate vesting. The LIBR has an income account value rate IAV of 6.5 percent and a no rider IAV rate of 4.5 percent. The agent commission runs up to 9 percent and the minimum initial premium is $5,000. Because of today’s zero rate environment, investors should not expect to earn more than a 5 percent return, says Runnymede Capital Management.