Our rates & indexes
Powerful index options and strong partnerships
A variety of crediting strategies through our available indexes allow you to diversify your retirement dollars and provide the opportunity to benefit from index increases while your principal remains protected from market downturn.
Considered one of the best gauges of large-cap U.S. equities, it consists of 500 leading publicly traded companies in the U.S., covers approximately 80% available market capitalization. Rebalances quarterly.
15% VT TCA Index (USD) ER applies an intraday risk control mechanism to provide exposure to the S&P 500 while targeting a 15% volatility level. The index rebalances through the trading day based on volatility observed in seven intraday windows and estimates of future market movements based on hypothetical option prices. The index seeks to take advantage of changing market conditions during the day by adjusting equity exposure up or down and includes a transaction cost adjustment (TCA).
Offers exposure to S&P 500® Dividend Aristocrats® Index, consisting of companies in the S&P 500 Index that have consistently increased dividends in each of the past 25 consecutive years, with the added stability of a cash (interest-free) component.
Index that focuses on growth and seeks to optimize performance by dynamically combining U.S. equities and bonds, and matching allocation strategies to one of four economic cycles — recovery, expansion, slowdown or contraction. Addresses risk by monitoring market performance and making intra-day allocation adjustments as needed.
The Invesco QQQ 15 Index is a growth-oriented index featuring Invesco’s QQQ ETF. It combines QQQ, an innovation-focused ETF, with a volatility targeting approach aimed at maximizing growth potential via equities while maintaining an annual volatility level of 15%.
This index is designed to deliver exposure to BlackRock’s iShares® Core S&P 500® ETF, three fixed income U.S. Treasury iShares® ETFs, and a cash component, while adaptively rebalancing daily based on macro conditions.
This index is designed to deliver exposure to BlackRock’s iShares® Core S&P 500® ETF, three fixed income U.S. Treasury iShares® ETFs, and a cash component, while adaptively rebalancing daily based on macro conditions.
Eagle Life product rates
Crediting strategies: Par vs. cap vs. trigger
These crediting strategies are the primary methods available with a FIA. Potential interest is calculated by applying the crediting strategy to your linked index or indexes. With all crediting strategies, you’ll earn interest when the index increases but you won’t lose any value if it decreases.
Participation rate
This percentage is multiplied against gains in the index to determine the amount of interest credited. For example, if the index gains 10% and the par rate is 80%, the contract is credited 8%
Cap rate
Interest is calculated based on an increase in the index, but it's limited to a specified maximum cap. For example, if the index gains 10% and the cap is 5%, you are credited 5%.
Performance trigger
Interest is credited at a set rate if the index change is zero or higher at the end of the strategy term. If the index gains 10%, and the performance trigger is 6%, you are credited 6%. Likewise, if the index gains 2%, and the performance is 6%, you are credited 6%.
Crediting timeframes: Annual vs. two-year vs. five-year
Once the crediting strategy is determined for an index, the next step is to choose how often interest gets credited. You determine index performance by comparing the index’s value on the first day of the indexing time period to its value on the last day (point-to-point).
Annual strategy
Measures the index performance over the course of one year and may be a good choice for those who prefer to monitor how the annuity performs each year.
Two-year strategy
Gives a longer time period for the crediting strategy to potentially deliver indexed interest credits and an increase in the contract's value. This may be a good choice for those who can wait two years to receive higher upside crediting potential.
Five-year strategy
Extends the time period for potentially higher returns. A five-year strategy has historically provided higher interest crediting than one-or two-year terms. This may be a good choice for those who are able to commit their money to a longer-term strategy.
Not all crediting strategies are available on all indices.
Annuity contract and rider issued under form series ICC23 E-BASE-IDX, ICC23 E-IDX-C-7, ICC22 E-E-PTP-CL, ICC23 E-E-PTP-RL, ICC21 E-E-PTP-C, ICC21 E-E-PTP-PR , ICC17 E-R-MVA, ICC21 E-R-ERR, ICC20 E-R-EBR, and state variations thereof. Availability may vary by state. For complete details, please see product-specific sales brochure(s) and disclosure(s).
Past performance is no indication of future results. If the sum of all Performance Rate Rider charges deducted is greater than all interest credited to the contract value at the end of the surrender charge period, we will increase the contract value by the difference.
Surrender charges may apply to excess withdrawals that, in addition to LIB payment, exceed 10% annual free withdrawal available under the contract. You may be subject to a 10% federal penalty if you make withdrawals before age 59½. Withdrawals are subject to ordinary income tax.
Market Value Adjustment (MVA) applies to partial withdrawals that exceed the free withdrawal amount allowed and surrenders occurring during the surrender charge period.
Enhanced Benefit Rider (ICC20 E-R-EBR) included with no fee for issue ages 75 and under. Availability and benefits may vary by state. Not available in CA.
Possible interest credits for money allocated to an index-linked crediting strategy are based upon performance of the specific index; however, fixed index annuities (FIAs) are not an investment, but an insurance product, and do not directly invest in the stock market or the index itself.
This is not a comprehensive overview of all the relevant features and benefits of the Eagle Select® Focus 5 or Eagle Select® Focus 7 FIAs. Please read the sales brochure and disclosure for complete details and limitations.
This material is for informational purposes only, and is not a recommendation to buy, sell, hold or rollover any asset. It does not take into account the specific financial circumstances, investment objectives, risk tolerance or need of any specific person. In providing this information, Eagle Life Insurance Company® is not acting as your fiduciary as defined by the Department of Labor. Eagle Life does not offer legal, investment or tax advice or make recommendations regarding insurance or investment products. Please consult a qualified professional.
Guarantees are based on the financial strength and claims-paying ability of the issuing company. Eagle Life is a wholly owned subsidiary of American Equity Investment Life Insurance Company®.
The BlackRock® Adaptive US Equity 5% Index and the BlackRock® Adaptive US Equity 15% Index (each, an “Index” and together, the “Indexes”) are each a product of BlackRock Index Services, LLC and have been licensed for use by American Equity Investment Life Insurance Company as a component of certain fixed indexed annuity products (each, the “Product”). BlackRock® Adaptive US Equity 5% Index, BlackRock® Adaptive US Equity 15% Index, and the corresponding logos are registered and unregistered trademarks of BlackRock. The Product is not sponsored, endorsed, sold or promoted by BlackRock Index Services, LLC, BlackRock, Inc., or any of its affiliates, or any of their respective third-party licensors (including the Index calculation agents, as applicable) (collectively, “BlackRock”). BlackRock has no obligation or liability in connection with the administration or marketing of the Product. BlackRock makes no representation or warranty, express or implied, to the owners of the Product or any member of the public regarding the advisability of investing the Product or the ability of the Indexes to track general market performance. BlackRock does not guarantee the adequacy, accuracy, timeliness, and/or completeness of the Indexes or any data or communication related thereto nor does it have any liability for any errors, omissions or interruptions of the Indexes.
The BlackRock® Adaptive US Equity 15% Index targets volatility; it does not guarantee results. The methodology may use up to 150% leverage for volatility tracking and calculates excess return versus a notional interest rate based on the Effective Federal Funds Rate (Act/360). See the published methodology for details.
Invesco Indexing LLC (“Licensor”) has licensed the Indexes to Eagle Life Insurance Company to be used as a component of certain fixed index annuity products (the “Products”). The Indexes may be calculated by a third party or contain third-party data, each third-party provider and Licensor are collectively “Licensor Parties”. The Products are not sponsored, operated, endorsed, sold or promoted by Licensor Parties. The Indexes, the proprietary data therein, and related trademarks, are intellectual property licensed from Licensor, and may not be copied, used, or distributed without Licensor’s prior written approval. The Products have not been passed on as to their legality or suitability, and are not regulated, issued, endorsed, sold, guaranteed, or promoted by Licensor Parties. Licensor Parties make no express or implied warranties, and hereby expressly disclaims all warranties of merchantability or fitness for a particular purpose with respect to the Indexes or any data included therein. Without limiting any of the foregoing, in no event shall Licensor Parties have any liability for any special, punitive, indirect, or consequential damages (including lost profits), even if notified of the possibility of such damages.
Nasdaq-100® and QQQ® are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by Eagle Life Insurance Company. The Product(s) have not been passed on by the Corporations as to their legality or suitability. The Product(s) are not issued, endorsed, sold, or promoted by the Corporations. The Corporations make no warranties and bear no liability with respect to the Product(s).
The S&P 500 and the S&P 500 Dividend Aristocrats Daily Risk Control 5% ER Index are products of S&P Dow Jones indices LLC or its affiliates (“SPDJI)”, and the S&P 500 Advantage 15% VT TCA Index (USD) ER, a product of SPDJI and BofA Securities, Inc. (collectively, the “Indices“), and have been licensed for use by Eagle Life Insurance Company® (“Eagle Life”). S&P®, S&P 500®, US 500™, The 500™, Dividend Aristocrats® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and have been licensed for certain purposes by Eagle Life. Eagle Life’s insurance products based on the Indices are not sponsored or sold by SPDJI, Dow Jones, S&P, their respective affiliates, or BofA Securities, Inc. and none of such parties makes any representation regarding the advisability of investing in such products, nor do they have any liability for any errors, omissions, or interruptions of the Indices.
| Not FDIC/NUCA Insured | May Lose Value | No Bank/Credit Union Guarantee | Not a Deposit | Not Insured by any Federal Government Agency |