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Fixed Indexed Annuity

American Select Bonus Plus 10

American Life

5.75%

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 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 termAdvisorWorld + 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

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5.75% cap rate + 0% spread

S&P 500

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

5% cap rate + 0% spread

S&P 500

S&P 500 Index

35% participation rate + 0% spread

S&P 500

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

35% participation rate + 0% spread

Fixed Account

Fixed Account

3% declared rate

+ 6 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

  • 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.

All crediting strategies

View rate listings (22 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: 150% + Spread: 0% · 1-yr

Goldman Sachs Xenith Index

participation

10-yr surrender

Par: 110% + Spread: 0% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrender

Par: 45% + Spread: 0% · 1-yr

Nasdaq-100 Intraday Elite 15% Index

participation

10-yr surrender

Par: 45% + Spread: 0% · 1-yr

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

participation

10-yr surrender

Par: 35% + Spread: 0% · 1-yr

S&P 500 Index

participation

10-yr surrender

Par: 35% + Spread: 0% · 1-yr

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

participation

10-yr surrender

Cap: 5.75% + Spread: 0% · 1-yr

S&P 500 Index

cap

10-yr surrender

Cap: 5% + Spread: 0% · 1-yr

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

cap

10-yr surrender

Fixed: 3% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 200% + Spread: 0% · 2-yr

Goldman Sachs Xenith Index

participation

10-yr surrender

Par: 85% + Spread: 0% · 2-yr

Janus SG Guidance Index: Value Lock

participation

10-yr surrender

Par: 150% + Spread: 0% · 1-yr

Goldman Sachs Xenith Index

Par: 110% + Spread: 0% · 1-yr

S&P MARC 5% Excess Return

Par: 45% + Spread: 0% · 1-yr

Nasdaq-100 Intraday Elite 15% Index

Par: 45% + Spread: 0% · 1-yr

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

Par: 35% + Spread: 0% · 1-yr

S&P 500 Index

Par: 35% + Spread: 0% · 1-yr

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

Cap: 5.75% + Spread: 0% · 1-yr

S&P 500 Index

Cap: 5% + Spread: 0% · 1-yr

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

Fixed: 3% · 1-yr

Fixed Account

Par: 200% + Spread: 0% · 2-yr

Goldman Sachs Xenith Index

Par: 85% + 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.

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.

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 Bonus Plus 10 currently shows 11 distinct indexed or fixed crediting choices across 22 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: 5.75% cap
  • S&P 500 Scored & Screened Index (USD) TR: 5% cap
  • S&P 500 Dynamic Intraday TCA Index (USD) ER: 45% 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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