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Fixed Indexed Annuity

Max Growth

American Life

9.5%

Best Cap

5%

Free W/D

27

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 28, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 cap rate

9.5% cap on S&P 500

A long-surrender accumulation FIA from American Life & Security Corp built around a recognizable S&P 500 cap, with an S&P 500 performance-trigger strategy and two proprietary volatility-controlled participation-rate options alongside it — and no income rider attached.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers comfortable with a B++ A.M. Best carrier and a ten-year surrender commitment, who want recognizable S&P 500 cap exposure on the contract plus the option to layer in a performance-trigger strategy or a volatility-controlled participation strategy on the same index, without paying for an income rider they don't need.

AM Best

B++ Good

Surrender period

10 years

Free withdrawal

5%/yr

Availability

27 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.5% cap rate + 0% spread

S&P 500

S&P 500 Index

100% participation rate + 6.75% declared rate

Fixed Account

Fixed Account

4.5% declared rate

+ 2 volatility-controlled index options (S&P 500, Schroders Global)

Product analyst notes

How to think about this contract

Why it can stand out

  • Crediting menu includes a recognizable S&P 500 annual point-to-point cap strategy, so a buyer gets at least one like-for-like comparison point against other accumulation FIAs on this site rather than only proprietary participation-rate options.
  • An S&P 500 performance-trigger strategy is offered alongside the cap: it credits a flat declared rate in any year the index finishes at or above zero, which can outperform a cap in flat or low-positive years — a structurally different shape from the same underlying index.
  • Two proprietary volatility-controlled indexes — S&P 500 Market Agility 10 and Schroders Global Compass — are available as uncapped participation-rate strategies, giving a buyer who wants upside leverage on a smoothed index a clear alternative to the S&P cap.
  • A declared fixed-rate bucket is available inside the contract for any portion of premium a buyer wants to park outside index strategies during the surrender term, with no separate strategy fee on any index option listed.
  • Surrender ladder, free-withdrawal allowance, MVA flag, and the nursing-home waiver are visible directly on this page rather than gated behind a sales brochure.

What to confirm

  • American Life & Security Corp carries an A.M. Best rating of B++, which is below the A- threshold many buyers and advisors use as a carrier-strength floor. A B++ carrier can be entirely sound, but the rating itself is the single most important fact on this page to evaluate against your own risk tolerance before any rate comparison.
  • Surrender lockup runs ten full years with a market-value adjustment on amounts 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.
  • Two of the three S&P 500-linked strategies are participation-rate and performance-trigger structures rather than caps. Their headline numbers are not directly comparable to a cap on the same index — read the strategy type column carefully before judging any single rate.
  • The S&P 500 Market Agility and Schroders Global Compass options are proprietary volatility-controlled indexes. Their participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap, and their live-track histories are shorter than the S&P 500 itself — evaluate each on its own merits.
  • The standard death benefit 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.

Not ideal for

Buyers who require an A- or better A.M. Best carrier as a floor, need a contractually guaranteed lifetime withdrawal rate from an income rider, want short-surrender liquidity, prefer a plain MYGA-style declared rate as their primary chassis, or require an account-value-based death benefit — none of those are what this contract is built to deliver.

All crediting strategies

View rate listings (10 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: 110% + Spread: 0% · 1-yr

Schroders Global Compass Index

participation

10-yr surrender

Par: 100% + Fixed: 6.75% · 1-yr

S&P 500 Index

trigger

10-yr surrender

Par: 100% + Spread: 0% · 1-yr

S&P 500 Market Agility 10 TCA 0.5% Decrement Index (USD) ER

participation

10-yr surrender

Cap: 9.5% + Spread: 0% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 4.5% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 110% + Spread: 0% · 1-yr

Schroders Global Compass Index

Par: 100% + Fixed: 6.75% · 1-yr

S&P 500 Index

Par: 100% + Spread: 0% · 1-yr

S&P 500 Market Agility 10 TCA 0.5% Decrement Index (USD) ER

Cap: 9.5% + Spread: 0% · 1-yr

S&P 500 Index

Fixed: 4.5% · 1-yr

Fixed Account

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

5%/yr

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

Surrender waivers

1

Nursing home waiver

Death benefit

Standard Death Benefit

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

Strategy guarantee

Minimum guaranteed cap: 0.50%

Strategy guarantee

Minimum guaranteed declared rate: 0.50%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.50%

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

9.3%

Yr 2

8.4%

Yr 3

7.5%

Yr 4

6.6%

Yr 5

5.7%

Yr 6

4.8%

Yr 7

3.85%

Yr 8

2.9%

Yr 9

1.9%

Yr 10

0.9%

After

0%

Nursing home waiver, Surrender waivers

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

Max Growth currently shows 5 distinct indexed or fixed crediting choices across 10 current rate listings, including S&P 500 Index, S&P 500 Market Agility 10 TCA 0.5% Decrement Index (USD) ER, and Fixed Account, with 1 volatility-controlled index option 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: 9.5% cap
  • S&P 500 Index: 100% participation
  • S&P 500 Market Agility 10 TCA 0.5% Decrement Index (USD) ER: 100% 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.

  • 5%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver

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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