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Fixed Indexed Annuity

Trailhead FIA

Axonic Insurance Services (AIS)

10.5%

Best Cap

10%

Free W/D

44

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 point-to-point cap

10.5% cap on S&P 500

An accumulation-focused, ten-year fixed indexed annuity from A.M. Best A- rated Axonic Insurance Services, built around a no-fee S&P 500 annual point-to-point cap plus a wide menu of participation-rate strategies on the S&P 500 and four additional indexes, with no lifetime-income rider in the design.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers committing to a ten-year deferral who want a recognizable no-fee S&P 500 annual point-to-point cap alongside both 1-year and 2-year participation-rate alternatives on the same index plus four additional indexes, with standard nursing-home and terminal-illness surrender waivers and the flexibility of single-life, joint-life, qualified, or non-qualified ownership.

AM Best

A- Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

44 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

10.5% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

63% participation rate

Rate varies by premium band.

S&P 500

S&P 500 Index

21.5% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

75% participation rate

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Bitcoin Trends 15% Index

70% participation rate

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Bitcoin Trends 15% Index

100% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

5.05% declared rate

Rate varies by premium band.

Fixed Account

Fixed Account

5.05% declared rate

Rate varies by premium band.

+ 6 volatility-controlled index options (S&P 500, DB Foresight, NASDAQ-100 Volatility...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Pure accumulation design with no income rider attached — every basis point of crediting flows to account value rather than rider fees, and the contract is not loaded with a lifetime-income story it cannot deliver.
  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with both 1-year and 2-year participation-rate alternatives on the same S&P 500 Index, so a buyer can express either a like-for-like cap comparison or a higher-participation longer-look variant on the same recognizable benchmark.
  • Beyond the S&P 500, the index menu spans four additional indexes — S&P 500 Dynamic Intraday TCA, DB Foresight X-Asset 10, NASDAQ-100 Volatility Control 7%, and Nasdaq-100 Bitcoin Trends 15% — and most are offered in both 1-year and 2-year crediting terms on the same contract, so a buyer can choose the cadence rather than the index.
  • Standard accumulation liquidity package is fully visible on this page — a 10% annual free-withdrawal allowance, the full ten-year surrender ladder, and nursing-home and terminal-illness surrender waivers — rather than gated behind a brochure.
  • Both single-life and joint-life ownership are available alongside qualified and non-qualified funding, so the same contract structure works for individual, spousal, and trust-owned arrangements without filing a different product.

What to confirm

  • There is no lifetime-income rider on this contract in the live data. Do not pitch Trailhead FIA as a guaranteed lifetime-withdrawal product — its job is index-linked accumulation over the ten-year term, not income.
  • Several of the index strategies use proprietary, volatility-controlled or thematic indexes (S&P 500 Dynamic Intraday TCA, DB Foresight X-Asset 10, NASDAQ-100 Volatility Control 7%, Nasdaq-100 Bitcoin Trends 15%). Their participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap, and several of these indexes have shorter live-track histories than the S&P 500 itself — evaluate each on its own forward characteristics rather than the headline participation number alone.
  • Surrender lockup runs the full ten years with a market value adjustment on amounts above the 10% free-withdrawal allowance. Early exits carry both a surrender charge and interest-rate sensitivity through the MVA — buyers who may need full liquidity inside that window should plan around the free-withdrawal allowance, not against it.
  • The standard death benefit on this contract pays cash surrender value rather than 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.
  • Carrier financial strength is published by a single rating agency (A.M. Best at A-) in this data rather than triangulated across multiple agencies — confirm with the carrier whether additional ratings exist before relying on the strength view in this page alone. Trailhead FIA is also not filed in seven jurisdictions (Connecticut, Minnesota, North Carolina, New Jersey, New York, Rhode Island, Wisconsin) — confirm state availability before recommending to buyers in any of those states.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, want a plain MYGA-style declared rate, need shorter-than-ten-year liquidity, require an account-value-based death benefit, or live in Connecticut, Minnesota, North Carolina, New Jersey, New York, Rhode Island, or Wisconsin — none of those are what this contract is built to deliver in this filing.

All crediting strategies

View rate listings (28 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: 106% · 1-yr

NASDAQ-100 Volatility Control 7% Index

participation

10-yr surrender$100,000+

Par: 92% · 1-yr

DB Foresight X-Asset 10 Index

participation

10-yr surrender$100,000+

Par: 80% · 1-yr

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

participation

10-yr surrender$100,000+

Par: 70% · 1-yr

Nasdaq-100 Bitcoin Trends 15% Index

participation

10-yr surrender$100,000+

Par: 63% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Cap: 10.5% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Fixed: 5.05% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 164% · 2-yr

NASDAQ-100 Volatility Control 7% Index

participation

10-yr surrender$100,000+

Par: 139% · 2-yr

DB Foresight X-Asset 10 Index

participation

10-yr surrender$100,000+

Par: 115% · 2-yr

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

participation

10-yr surrender$100,000+

Par: 100% · 2-yr

Nasdaq-100 Bitcoin Trends 15% Index

participation

10-yr surrender$100,000+

Par: 75% · 2-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Cap: 21.5% · 2-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Fixed: 5.05% · 2-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 106% · 1-yr

NASDAQ-100 Volatility Control 7% Index

$100,000+

Par: 92% · 1-yr

DB Foresight X-Asset 10 Index

$100,000+

Par: 80% · 1-yr

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

$100,000+

Par: 70% · 1-yr

Nasdaq-100 Bitcoin Trends 15% Index

$100,000+

Par: 63% · 1-yr

S&P 500 Index

$100,000+

Cap: 10.5% · 1-yr

S&P 500 Index

$100,000+

Fixed: 5.05% · 1-yr

Fixed Account

$100,000+

Par: 164% · 2-yr

NASDAQ-100 Volatility Control 7% Index

$100,000+

Par: 139% · 2-yr

DB Foresight X-Asset 10 Index

$100,000+

Par: 115% · 2-yr

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

$100,000+

Par: 100% · 2-yr

Nasdaq-100 Bitcoin Trends 15% Index

$100,000+

Par: 75% · 2-yr

S&P 500 Index

$100,000+

Cap: 21.5% · 2-yr

S&P 500 Index

$100,000+

Fixed: 5.05% · 2-yr

Fixed Account

$100,000+

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.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

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

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.40%

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

9.3%

Yr 2

8.4%

Yr 3

7.5%

Yr 4

6.6%

Yr 5

5.7%

Yr 6

4.7%

Yr 7

3.8%

Yr 8

2.8%

Yr 9

1.9%

Yr 10

0.9%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

Trailhead_FIA_Consumer_Brochure.pdf

Confidence: highReviewed Apr 7, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Trailhead FIA currently shows 14 distinct indexed or fixed crediting choices across 28 current rate listings, including S&P 500 Index and S&P 500 Dynamic Intraday TCA Index (USD) ER, with 2 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: 10.5% cap
  • S&P 500 Dynamic Intraday TCA Index (USD) ER: 80% participation
  • S&P 500 Index: 63% 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
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as Trailhead_FIA_Consumer_Brochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. 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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