About American Equity Investment Life Insurance Company (2024)

Who is American Equity?

We are The Financial Dignity Company – and while each person might define financial dignity differently, we believe it’s having the means to retire with pride and peacefulness in your daily life.

To do that, our contract owners work with independent agents to choose one of our leading annuity products best suited for their personal needs. And we stay mindful of our investments and continue to look for growth opportunities that enable us to delight and deliver on our decades-long promises to our contract owner.

Led by high-energy, savvy thinkers and doers, our team has elevated our business, remaining an agile, time-tested partner in retirement and steadfast in our commitment to the communities we live.

Headquartered in West Des Moines, IA for nearly three decades, we have satellite offices slated to open in 2022 in Charlotte, NC, and New York, NY. We currently help fund more than half a million retirements nationwide.

Our Commitment to You

Supporting your future and success are at the center of everything we do. Whether you are a contract owner or an agent, our team of professionals are focused on providing you with the very best service in our industry, product integrity and stable retirement income planning.

Contract Owner

Our goal is to help deliver financial dignity in retirement to our contract owners and make their lives a little easier. As an American Equity contract owner, you can expect a dependable partner who will:

Answer your phone call promptly during business hours
Be knowledgeable, informed and accessible to answer questions
Process your requests quickly
Provide easy-to-understand information and forms
Give you online access to view your contract at any time
Work to establish a long-term relationship with you

Agent

As an agent with American Equity, you are our partner. We recognize that without your loyalty and hard work, we would not be the company we are today. You helped us build this business from the ground up, and you help us continue to grow in our industry. American Equity is committed to excellence in every interaction we have with you, including:

Your phone call answered promptly by an American Equity professional
Contracts issued within 24-48 hours (contracts that are in good order)
Commissions paid daily
Competitive, innovative products
Long-term relationships
A dedicated Marketing Team focused on your success
Free online product training

American Equity's Team

Our team culture lays the groundwork for providing the best products, exemplary customer service, and for building an engaged and valued team. Our cultural beliefs focus on:

Performing as One Team to foster a trusting and transparent environment to work toward common objectives.
Inspiring Innovation by leaving our comfort zones daily to advance the company's goals.
Taking Action to seek the best available information and deliver results.
Owning It by taking responsibility for our actions and growing from our experiences.
Breaking Boundaries to engage in respectful conversations that invite diverse perspectives and experiences.

We offer a competitive benefits program designed to support and meet the evolving needs of our growing workforce. We also encourage and invest in our team through a wide variety of professional development opportunities, various bonus occasions, Volunteer Time Off (VTO), and more. Learn more on our Careers page.

American Equity’s Values

Being a reliable partner is not just something we talk about, it’s something we strive to achieve by practicing sound business principles that reflect our integrity and financial stability.

As we aim to make our customers’ lives a little easier, and use the following principles to guide us on the journey:

Commitment to Service – One of American Equity's core philosophies is providing exemplary customer service each day. We are committed to conservative investment practices that focus on keeping your money protected. If you call our office during business hours, you’ll always talk to a live person and won’t have to wait on hold for a long period of time. Our team members are professional, courteous and helpful to your needs.
Product Integrity – We understand that every retirement is different, and each one requires its own financial approach. However, the end goal is the same – a reliable income source and asset protection. With our annuities, we are focused on providing you a contract backed by our financial strength and claims-paying ability. Our values of honesty, fairness and truthfulness have always been essential to the products we design.
Financial Strength – We have been recognized for our commitment to solid business principles and financial strength. A.M. Best is the largest and oldest independent worldwide insurance rating agency dedicated to providing financial strength ratings and detailed reports on insurance companies.A.M. Best has assigned American Equity an "A-" (Excellent) rating, reflecting their current opinion of American Equity's financial strength and its ability to meet its ongoing contractual obligations relative to the norms of the life/health insurance industry. A.M. Best utilizes 15 rating categories ranging from A++ to F. An "A-" rating from A.M. Best is its fourth highest rating. For the latest rating, access www.ambest.com Rating effective 8/2/2006, affirmed 9/9/2022.

Life Insurance

Insurance Company

“Our mission is to deliver financial dignity in retirement to our contract owners, so they can fulfill their purpose in life – no matter what that might be.”

– Anant Bhalla, CEO

As a financial expert with a demonstrated depth of knowledge in the field, I'd like to draw attention to the comprehensive information provided in the article about American Equity. The details showcase the company's commitment to financial dignity, its operations, and the principles that guide its business practices. Here's a breakdown of the key concepts:

Financial Dignity and Retirement Planning:
- American Equity defines itself as "The Financial Dignity Company," emphasizing the importance of retiring with pride and peacefulness.
- The company facilitates retirement planning by offering annuity products tailored to individual needs.
Contract Owners and Independent Agents:
- Contract owners collaborate with independent agents to select suitable annuity products.
- The company expresses its dedication to remaining mindful of investments and seeking growth opportunities.
Company Background and Expansion:
- Headquartered in West Des Moines, IA, for nearly three decades, with plans to open satellite offices in Charlotte, NC, and New York, NY in 2022.
- American Equity claims to support over half a million retirements nationwide.
Commitment to Service:
- The company places a strong emphasis on customer service, promising prompt responses, knowledgeable support, and quick processing of requests.
- Online access is provided for contract viewing, and efforts are made to establish long-term relationships with contract owners.
Agent Partnership:
- Agents are recognized as crucial partners, and their loyalty and hard work are acknowledged.
- The company commits to excellence in interactions with agents, offering prompt responses, quick contract issuances, daily commission payments, and free online product training.
Corporate Culture and Team Values:
- American Equity's team culture is highlighted as foundational for delivering the best products and customer service.
- Cultural beliefs include performing as one team, inspiring innovation, taking action, owning it, and breaking boundaries.
Benefits Program and Professional Development:
- The company offers a competitive benefits program to support its growing workforce.
- Professional development opportunities, bonus occasions, and Volunteer Time Off (VTO) are emphasized as part of the investment in the team.
Core Values:
- American Equity outlines its core values, focusing on commitment to service, product integrity, and financial strength.
- The company emphasizes conservative investment practices and highlights its "A-" (Excellent) rating from A.M. Best as a testament to its financial strength.
Financial Strength and A.M. Best Rating:
- American Equity Investment Life Holding Company, including its subsidiaries, specializes in fixed and fixed index annuities.
- The company's "A-" (Excellent) rating from A.M. Best reflects its financial strength and ability to meet ongoing contractual obligations.
Mission Statement:
- The mission, as stated by the CEO Anant Bhalla, is to deliver financial dignity in retirement to contract owners, enabling them to fulfill their life's purpose.

In conclusion, the information provided in the article demonstrates American Equity's commitment to providing financial dignity, its focus on customer service and agent partnerships, its corporate culture and values, and its strong financial standing as reflected in the A.M. Best rating. This comprehensive approach positions American Equity as a reliable partner in the realm of retirement planning and financial services.