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Fixed Indexed Annuity

Max Growth

American Life

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9.5%

Best S&P 500 Annual Cap

5%

Free W/D

27

Available jurisdictions

Product data status: July 17, 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 Max Growth 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 17, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$309,222
Est. value at age 80 (Max Growth)
9.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 9.5% 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 Max Growth's published cap rate (9.5% 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. Not a projection, quote, or guarantee. Live CANNEX rates as of July 17, 2026.

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See how Max Growth 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 Max Growth

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

Live product data

Rates as of July 17, 2026, from AdvisorWorld and CANNEX.

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 term10-year surrenderDoes not vary by premiumAdvisorWorld + 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 (restricted footprint)

Featured crediting strategies

Featured strategies use the selected state's rates. The full listing below labels other CANNEX state-rate variants separately.

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.5% cap rate + 0% spread

Annual cap

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

S&P 500

S&P 500 Index

6.75% trigger rate

Performance trigger

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

Fixed Account

Fixed Account

4.5% declared rate

Fixed account

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

+ 2 additional crediting 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.

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See how Max Growth compares for your age, state, premium, and income goals alongside other American Life fixed indexed annuity options.

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All crediting strategies

View rate listings (15 strategies)

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

Par: 110% + Spread: 0% · 1-yr

Schroders Global Compass Index

participation

10-yr surrenderDoes not vary by premium

Par: 100% + Spread: 0% · 1-yr

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

participation

10-yr surrenderDoes not vary by premium

Cap: 9.5% + Spread: 0% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Trigger: 6.75% · 1-yr

S&P 500 Index

trigger

10-yr surrenderDoes not vary by premium

Fixed: 4.5% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Par: 140% + Spread: 0% · 1-yr

Schroders Global Compass Index

Point-to-point

Other state rate set 1948Does not vary by premium

Par: 115% + Spread: 0% · 1-yr

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

Point-to-point

Other state rate set 1948Does not vary by premium

Cap: 10.5% + Spread: 0% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 1948Does not vary by premium

Trigger: 8% · 1-yr

S&P 500 Index

Performance trigger

Other state rate set 1948Does not vary by premium

Fixed: 5% · 1-yr

Fixed Account

Fixed account

Other state rate set 1948Does not vary by premium

Par: 135% + Spread: 0% · 1-yr

Schroders Global Compass Index

Point-to-point

Other state rate set 2130Does not vary by premium

Par: 110% + Spread: 0% · 1-yr

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

Point-to-point

Other state rate set 2130Does not vary by premium

Cap: 10% + Spread: 0% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 2130Does not vary by premium

Trigger: 7.75% · 1-yr

S&P 500 Index

Performance trigger

Other state rate set 2130Does not vary by premium

Fixed: 4.75% · 1-yr

Fixed Account

Fixed account

Other state rate set 2130Does 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 Max Growth

● Can I lose money in Max Growth?

A negative index return by itself does not reduce the contract's account value: Max Growth 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 5% 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 5% 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 Max Growth's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Max Growth 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

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.

Cap-rate floor

0.50%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

0.50%

Minimum guaranteed declared rate for declared-rate or performance-trigger 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

9.3%

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 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

Max Growth currently shows 13 distinct indexed or fixed crediting choices across 15 displayed rate entries, including S&P 500 Index, 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: 9.5% annual cap
  • S&P 500 Index: 10.5% annual point-to-point cap
  • S&P 500 Index: 10% annual point-to-point cap
  • S&P 500 Index: 100% 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.

  • 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 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 Max Growth compares for your age, state, premium, and income goals alongside other American Life fixed indexed annuity options.

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