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Fixed Indexed Annuity

American Select

American Life

9.25%

Best Cap

10%

Free W/D

30

Jurisdictions

Product data status: May 29, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 cap rate

9.25% cap on S&P 500

An accumulation-focused fixed indexed annuity from a smaller B++ carrier offering a recognizable S&P 500 annual point-to-point cap plus a broad menu of proprietary participation-rate strategies, sold in two surrender-length variants and available in thirty states.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers in one of the thirty filed states who are comfortable with a smaller B++-rated carrier in exchange for a broader-than-usual proprietary index menu, want recognizable S&P 500 cap exposure as the core of the allocation, and are willing to commit to either a seven- or ten-year surrender lockup with cash-value death benefit and no rider income.

AM Best

B++ Good

Surrender period

10 years

Free withdrawal

10%/yr

Availability

30 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.25% cap rate + 0% spread

S&P 500

S&P 500 Scored & Screened Index (USD) TR

7.25% cap rate + 0% spread

S&P 500

S&P 500 Index

50% participation rate + 0% spread

S&P 500

S&P 500 Scored & Screened Index (USD) TR

50% participation rate + 0% spread

Fixed Account

Fixed Account

4.25% declared rate

+ 7 volatility-controlled index options (Nasdaq-100 Intraday, S&P 500, S&P MARC...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Two surrender-length variants under one product filing — buyers who do not want a ten-year lockup can take the shorter chassis with the same crediting menu, which is unusual at this filing's price point.
  • Crediting menu includes a recognizable S&P 500 annual point-to-point cap alongside an S&P 500 annual participation strategy on the same index, so a buyer who prefers one index can hold both a capped and an uncapped version of it inside one contract.
  • Broad proprietary index lineup for a small-carrier FIA — Goldman Sachs Xenith, Janus SG Guidance Value Lock, S&P MARC 5% Excess Return, S&P 500 Scored & Screened, S&P 500 Dynamic Intraday TCA, and Nasdaq-100 Intraday Elite 15% all appear on the same contract, giving the buyer multiple volatility-controlled options to evaluate against the S&P cap.
  • Every strategy in this contract has a zero published spread and no strategy fee, so the participation and cap numbers shown are gross of any drag inside the crediting formula itself.
  • A declared fixed-rate bucket sits alongside the index strategies, so a buyer can park part of the premium in a non-indexed allocation without leaving the contract.

What to confirm

  • Carrier strength is B++ (Good) at A.M. Best — that is below the A- threshold most FIA shoppers use as a screen, and well below the A and A+ ratings carried by the larger carriers in this lineup. Weigh that carrier-strength gap against the crediting-rate advantage before committing.
  • Several of the highest participation rates on this contract — well above one hundred percent — credit against proprietary volatility-controlled or excess-return indexes whose historical returns are not directly comparable to the S&P 500. A high participation rate on a low-volatility excess-return index is not equivalent to the same rate on an uncapped S&P 500 strategy; read the index name and methodology in the strategy table before reading the participation number, especially on the two-year crediting periods where the headline multiplier is largest.
  • Surrender lockup runs as long as a full decade on the longer-chassis variant, with a market-value adjustment on amounts above the free-withdrawal allowance. No nursing-home or terminal-illness surrender waiver is published in this data, so plan around the full surrender schedule, not around an emergency-exit ramp.
  • The standard death benefit on this contract pays cash surrender value, not account value or a rolled-up income base — heirs receive what a buyer would receive on a non-penalty surrender, which can be materially lower than an account-value-based death benefit on a competing contract.
  • The contract files into thirty states, not nationally — confirm your state appears in the availability list on this page before assuming you can buy it.

Not ideal for

Buyers who need a guaranteed lifetime withdrawal rider, require an A-rated or larger carrier, want an account-value or rolled-up death benefit, need short-surrender liquidity or a nursing-home waiver, or live in one of the twenty-plus states where this contract is not filed — none of those are what American Select delivers.

All crediting strategies

View rate listings (24 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 70% + Spread: 0% · 2-yr

Nasdaq-100 Intraday Elite 15% Index

participation

7-yr surrender

Par: 200% + Spread: 0% · 1-yr

Goldman Sachs Xenith Index

participation

10-yr surrender

Par: 150% + Spread: 0% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrender

Par: 75% + Spread: 0% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Par: 70% + Spread: 0% · 1-yr

Nasdaq-100 Intraday Elite 15% Index

participation

10-yr surrender

Par: 50% + Spread: 0% · 1-yr

S&P 500 Index

participation

10-yr surrender

Par: 50% + Spread: 0% · 1-yr

S&P 500 Scored & Screened Index (USD) TR

participation

10-yr surrender

Cap: 9.25% + Spread: 0% · 1-yr

S&P 500 Index

cap

10-yr surrender

Cap: 7.25% + Spread: 0% · 1-yr

S&P 500 Scored & Screened Index (USD) TR

cap

10-yr surrender

Fixed: 4.25% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 275% + Spread: 0% · 2-yr

Goldman Sachs Xenith Index

participation

10-yr surrender

Par: 115% + Spread: 0% · 2-yr

Janus SG Guidance Index: Value Lock

participation

10-yr surrender

Par: 200% + Spread: 0% · 1-yr

Goldman Sachs Xenith Index

Par: 150% + Spread: 0% · 1-yr

S&P MARC 5% Excess Return

Par: 75% + Spread: 0% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Par: 70% + Spread: 0% · 1-yr

Nasdaq-100 Intraday Elite 15% Index

Par: 50% + Spread: 0% · 1-yr

S&P 500 Index

Par: 50% + Spread: 0% · 1-yr

S&P 500 Scored & Screened Index (USD) TR

Cap: 9.25% + Spread: 0% · 1-yr

S&P 500 Index

Cap: 7.25% + Spread: 0% · 1-yr

S&P 500 Scored & Screened Index (USD) TR

Fixed: 4.25% · 1-yr

Fixed Account

Par: 70% + Spread: 0% · 2-yr

Nasdaq-100 Intraday Elite 15% Index

Par: 275% + Spread: 0% · 2-yr

Goldman Sachs Xenith Index

Par: 115% + Spread: 0% · 2-yr

Janus SG Guidance Index: Value Lock

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 0.50%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.50%

Strategy guarantee

Minimum guaranteed participation: 10.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

8.1%

Yr 3

7.2%

Yr 4

6.3%

Yr 5

5.4%

Yr 6

4.5%

Yr 7

3.6%

Yr 8

2.7%

Yr 9

1.8%

Yr 10

0.9%

After

0%

Documents

Carrier documents not available for this product

Brochures, product guides, or contract disclosures were not returned for this product on this request. Request the state-specific brochure or specimen contract from the carrier before purchase.

Carrier Ratings

AM BestB++

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

American Select currently shows 12 distinct indexed or fixed crediting choices across 24 current rate listings, including S&P 500 Index, S&P 500 Scored & Screened Index (USD) TR, and S&P 500 Dynamic Intraday TCA Index (USD) ER, with 4 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9.25% cap
  • S&P 500 Scored & Screened Index (USD) TR: 7.25% cap
  • S&P 500 Dynamic Intraday TCA Index (USD) ER: 75% participation

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years

Verification note

Use carrier materials as term evidence, then confirm the current version

This page uses the current structured product data returned for the contract. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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