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Fixed Indexed Annuity

American Select Bonus Plus 10

American Life

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5.75%

Best S&P 500 Annual Cap

10%

Free W/D

30

Available jurisdictions

Product data status: July 16, 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.

Model this product

See what American Select Bonus Plus 10 would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 16, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$298,026
Est. value at age 80 (American Select Bonus Plus 10)
22%
Premium bonus offered
S&P 500 Index — 5.75% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies American Select Bonus Plus 10's published cap rate (5.75% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $22,000 premium bonus (22%) = $122,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of July 16, 2026.

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See how American Select Bonus Plus 10 compares for your age, state, premium, and income goals alongside other American Life fixed indexed annuity options.

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Live rate data

Run live numbers for American Select Bonus Plus 10

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this American Life product.

Live product data

Rates as of July 16, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

5.75% cap on S&P 500

A ten-year, accumulation-focused fixed indexed annuity from a B++-rated carrier built around a large upfront premium bonus vesting evenly across the surrender term, paired with a deep crediting menu that combines a recognizable S&P 500 cap with participation-rate strategies on Nasdaq-100, S&P MARC, Goldman Sachs Xenith, Janus SG Guidance, and S&P 500 Scored & Screened indexes.

1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who can lock principal for the full ten-year surrender and bonus-vesting window, want an upfront premium bonus added to their accumulation value at issue, and value a deep crediting menu that lets them mix a recognizable S&P 500 cap with a wide slate of participation-rate strategies on both benchmark and proprietary volatility-controlled indexes.

AM Best

B++ Good

Surrender period

10 years

Free withdrawal

10%/yr

Availability

30 jurisdictions (restricted footprint)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5.75% cap rate + 0% spread

Annual cap

1-year term · 10-year surrender · Does not vary by premium

S&P 500

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

5% cap rate + 0% spread

Annual cap

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

35% participation rate + 0% spread

Participation

1-year term · 10-year surrender · Does not vary by premium

S&P 500

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

35% participation rate + 0% spread

Participation

1-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

+ 6 additional crediting options (Nasdaq-100 Intraday, S&P 500, S&P MARC...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Headline structural feature is a large upfront premium bonus credited to the accumulation value at issue and vesting evenly over the full ten-year surrender term — this is what distinguishes the 'Bonus Plus 10' filing from a non-bonus FIA in the same shelf, and the vesting schedule is visible directly in the live feed.
  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with a deep slate of participation-rate strategies on both benchmark and proprietary indexes — Nasdaq-100 Intraday Elite 15%, S&P 500 Dynamic Intraday TCA, S&P MARC 5% Excess Return, Goldman Sachs Xenith, Janus SG Guidance Value Lock, and S&P 500 Scored & Screened all appear in the live feed, so buyers can hold like-for-like S&P comparison options alongside higher-participation volatility-controlled strategies inside the same contract.
  • Two of the participation-rate strategies (Goldman Sachs Xenith and Janus SG Guidance Value Lock) are also offered in a two-year point-to-point crediting cadence with a higher participation rate, so buyers who can tolerate a longer measurement window between credits have that lever inside the contract without changing carriers.
  • A one-year fixed-account option is available alongside the index strategies, so a buyer who wants a portion of premium parked in a declared-rate account rather than an index strategy can do so inside the same contract.
  • Free-withdrawal allowance, the full ten-year surrender ladder, the market-value-adjustment flag, and the premium-bonus vesting schedule are all visible directly on this page rather than gated behind a sales brochure.

What to confirm

  • The premium bonus is not free money. The vesting schedule in the live feed shows the bonus is forfeitable on early surrender for the full ten-year term, and the contract also lists an 'Interest Bonus' rider with a published current fee — confirm with the carrier exactly how much of the bonus a buyer keeps if the contract is surrendered before vesting completes, and how the rider fee is deducted from the accumulation value each year.
  • Surrender lockup runs the full ten years with a steep first-year charge that declines evenly across the term, and a market value adjustment applies on surrenders above the free-withdrawal allowance — this is a long-deferral commitment with interest-rate sensitivity on early exits. Confirm with the carrier how the MVA is computed before any planned partial surrender.
  • Carrier financial strength is rated by A.M. Best at B++. That is below the A-tier rating common on the larger national FIA carriers shown elsewhere on this site — buyers prioritizing top-tier carrier strength should weigh that difference explicitly rather than reading the bonus and the cap menu in isolation.
  • Several of the index options are proprietary, volatility-controlled excess-return indexes. Their participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap, and several have shorter live-track histories than the S&P 500 itself — evaluate each strategy on its own merits and its own back-tested behavior, not on the headline participation number alone.
  • State availability is restricted — the live feed shows this contract is filed in roughly thirty states rather than nationwide. Buyers outside that footprint should confirm availability with the carrier before relying on the headline cap or bonus in their planning.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, want a plain MYGA-style declared rate, need short-surrender liquidity, require an A-tier carrier strength rating, or are unwilling to forfeit unvested bonus on early surrender — none of those match what this contract is structured to deliver.

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All crediting strategies

View rate listings (11 strategies)

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

Par: 150% + Spread: 0% · 1-yr

Goldman Sachs Xenith Index

participation

10-yr surrenderDoes not vary by premium

Par: 110% + Spread: 0% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrenderDoes not vary by premium

Par: 45% + Spread: 0% · 1-yr

Nasdaq-100 Intraday Elite 15% Index

participation

10-yr surrenderDoes not vary by premium

Par: 45% + Spread: 0% · 1-yr

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

participation

10-yr surrenderDoes not vary by premium

Par: 35% + Spread: 0% · 1-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Par: 35% + Spread: 0% · 1-yr

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

participation

10-yr surrenderDoes not vary by premium

Cap: 5.75% + Spread: 0% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Cap: 5% + Spread: 0% · 1-yr

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

cap

10-yr surrenderDoes not vary by premium

Fixed: 3% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Par: 200% + Spread: 0% · 2-yr

Goldman Sachs Xenith Index

participation

10-yr surrenderDoes not vary by premium

Par: 85% + Spread: 0% · 2-yr

Janus SG Guidance Index: Value Lock

participation

10-yr surrenderDoes not vary by premium

Accumulation profile

Accumulation-focused contract

Current CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about American Select Bonus Plus 10

● Can I lose money in American Select Bonus Plus 10?

A negative index return by itself does not reduce the contract's account value: American Select Bonus Plus 10 credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do American Select Bonus Plus 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current American Select Bonus Plus 10 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

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

Premium bonus

22%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Standard Death Benefit

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

Cap-rate floor

0.50%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

0.50%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Maximum spread

0.00%

Maximum spread: 0.00%

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 are currently unavailable for this product. 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 Bonus Plus 10 currently shows 11 indexed or fixed crediting options, including S&P 500 Index and S&P 500 Scored & Screened Index (USD) TR, with 6 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 5.75% annual cap
  • S&P 500 Scored & Screened Index (USD) TR: 5% annual cap
  • S&P 500 Index: 35% annual participation rate
  • S&P 500 Scored & Screened Index (USD) TR: 35% annual participation rate

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 information 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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See how American Select Bonus Plus 10 compares for your age, state, premium, and income goals alongside other American Life fixed indexed annuity options.

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