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Fixed Indexed Annuity

Max Growth Bonus

American Life

7.25%

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

S&P 500 cap rate

7.25% cap on S&P 500

An accumulation-focused fixed indexed annuity with an unusually short four-year surrender, a premium bonus on a long vesting schedule, and a recognizable S&P 500 cap alongside proprietary participation strategies, from a B++ A.M. Best-rated carrier.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who want a recognizable S&P 500 cap inside a short-surrender FIA, value an up-front premium bonus as long-term balance leverage rather than near-term liquidity, and are comfortable with a B++ A.M. Best carrier in exchange for a shorter lockup than most bonus FIAs offer.

AM Best

B++ Good

Surrender period

4 years

Free withdrawal

5%/yr

Availability

27 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

7.25% cap rate + 0% spread

S&P 500

S&P 500 Index

100% participation rate + 4% declared rate

Fixed Account

Fixed Account

3.7% 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

  • Four-year surrender schedule is unusually short for a bonus FIA — most premium-bonus contracts on this site run seven to ten years to amortize the bonus cost, so a four-year lockup gives a buyer materially earlier full liquidity than the bonus-FIA norm.
  • A published premium bonus is credited up front to the account value, giving day-one balance leverage on every dollar of premium before any index credit is applied — read the bonus rate directly on this page rather than from a sales brochure.
  • Crediting menu includes a recognizable S&P 500 annual point-to-point cap, so this contract offers at least one like-for-like comparison point against other FIAs on this site rather than only proprietary participation strategies.
  • Three S&P 500 crediting cadences are offered on the same contract — an annual point-to-point cap, a performance-trigger declared rate, and a full-participation strategy — so a buyer who wants S&P exposure has three distinct ways to take it inside one allocation.
  • Free-withdrawal allowance, the full surrender ladder, the market-value-adjustment flag, and the nursing-home waiver are visible directly on this page rather than gated behind a sales brochure.

What to confirm

  • The premium bonus is on a long vesting schedule that extends well past the surrender period. The published vesting table only credits a fraction of the bonus during the four-year surrender window and does not fully vest until year ten — read the vesting schedule on this page before treating the bonus as day-one money you can walk away with.
  • Bonus FIAs typically pay for the bonus through a lower base cap, a higher spread, or a lower participation rate than the same carrier's non-bonus product. Compare the S&P 500 cap and participation rates on this contract against a non-bonus FIA before assuming the bonus is free money.
  • Surrender charges apply on amounts above the free-withdrawal allowance for the first four contract years and a market-value adjustment also applies. The MVA can magnify a surrender loss in a rising-rate environment — confirm with the carrier how the MVA is computed before any planned partial surrender.
  • American Life & Security is rated B++ by A.M. Best, which is below the A- threshold many buyers and advisors use as a minimum. The carrier-strength view on this page is from a recognized agency, but a B++ carrier is a different risk tier than an A-rated one and should be evaluated explicitly.
  • 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.
  • There is no income rider on this contract in the current data, so this is not the product to compare against guaranteed-lifetime-withdrawal FIAs — its job is accumulation plus an up-front bonus, not contractually guaranteed lifetime income.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, expect a premium bonus to be fully their money on day one, require an A-rated or higher carrier as a minimum, want an account-value-based death benefit, or read 'Max Growth Bonus' as a promise of income — 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: 100% + Fixed: 4% · 1-yr

S&P 500 Index

trigger

10-yr surrender

Par: 70% + Spread: 0% · 1-yr

Schroders Global Compass Index

participation

10-yr surrender

Par: 65% + Spread: 0% · 1-yr

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

participation

10-yr surrender

Cap: 7.25% + Spread: 0% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 3.7% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 100% + Fixed: 4% · 1-yr

S&P 500 Index

Par: 70% + Spread: 0% · 1-yr

Schroders Global Compass Index

Par: 65% + Spread: 0% · 1-yr

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

Cap: 7.25% + Spread: 0% · 1-yr

S&P 500 Index

Fixed: 3.7% · 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

Premium bonus

10%

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

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%

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 Bonus 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: 7.25% cap
  • S&P 500 Index: 100% participation
  • S&P 500 Market Agility 10 TCA 0.5% Decrement Index (USD) ER: 65% 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
  • 4 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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