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 Trailhead FIA PLUS 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 16, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$249,770
Est. value at age 80 (Trailhead FIA PLUS)
20%
Premium bonus offered
S&P 500 Index — 8.75% Cap (2-yr point-to-point)
✦
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 Trailhead FIA PLUS's published cap rate (8.75% 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; 2-year credits are applied only at completed term anniversaries. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $20,000 premium bonus (20%) = $120,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of July 16, 2026.
Free Comparison Report
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See how Trailhead FIA PLUS compares for your age, state, premium, and income goals alongside other Axonic Insurance Services (AIS) fixed indexed annuity options.
Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Axonic Insurance Services (AIS) product.
Live product data
Rates as of July 16, 2026, from AdvisorWorld and CANNEX.
S&P 500 annual point-to-point cap
6% cap on S&P 500
A premium-bonus accumulation fixed indexed annuity from A- rated Axonic Insurance Services, built around an S&P 500 Index annual point-to-point cap plus participation alternatives on proprietary volatility-controlled and thematic indexes, with a day-one premium bonus vested on a multi-year cliff and no lifetime-income rider in the design.
1-year term5-year surrender$100,000+AdvisorWorld + CANNEX data
Best fit
Accumulation-focused buyers who want a day-one premium bonus that lifts the starting account value, can deposit at the carrier's high-band premium threshold to qualify for the top crediting rates, are committing to the full ten-year surrender term so the bonus vesting cliff is comfortably inside the deferral window, and want a single contract that can express either a recognizable S&P 500 annual cap or higher-participation exposure to proprietary indexes.
AM Best
A- Excellent
Surrender options
5, 7, and 10 years
Free withdrawal
10%/yr
Availability
43 jurisdictions (restricted footprint)
Minimum premium
$20,000
Featured crediting strategies
Caps, participation rates, and declared rates are shown separately.
Index / strategyRate mechanicsCreditingSurrenderPremium
Premium-bonus design — the 'PLUS' badge in the product name marks a day-one premium bonus credited on every premium dollar, vested on a multi-year cliff schedule rather than ratably year over year, so a buyer's starting account value steps up at issue rather than waiting on crediting to build it.
Crediting menu pairs a recognizable S&P 500 Index 1-year annual point-to-point cap with cap and participation alternatives on a 2-year S&P 500 cadence, plus participation strategies on the Nasdaq-100 Volatility Control Index, DB Foresight X-Asset 10 Index, S&P 500 Dynamic Intraday TCA ER Index, and a Nasdaq-100 Bitcoin Trends Index — so the same contract can express either a like-for-like named-index annual cap comparison or a higher-participation longer-look alternative.
Every index strategy is offered in both a 1-year and a 2-year crediting term on the same contract, and a fixed-rate declared bucket is published for buyers who want to step away from index crediting entirely without leaving the contract.
Surrender ladder, annual free-withdrawal allowance, market-value-adjustment flag, nursing-home waiver, and terminal-illness waiver are all visible directly on this page rather than buried in a brochure, and the contract supports both single and joint annuitization with non-qualified, qualified, single, joint, trust, and corporate ownership.
What to confirm
Premium bonuses are not free money. The bonus on this contract is vested on a multi-year cliff — no vested value through the early contract years, then full vesting at the cliff — and bonus FIAs typically price their cap rates and participation rates lower than the carrier's non-bonus filings to fund the bonus. Compare net long-horizon crediting against the carrier's non-PLUS Trailhead chassis before assuming the bonus is a net win, and confirm that any planned surrender or full withdrawal lands after the vesting cliff — exits before then forfeit the unvested portion of the bonus on top of the surrender charge.
There is no lifetime-income rider on this contract in the live data and no Protected Income Value chassis. Do not pitch Trailhead FIA PLUS as a guaranteed lifetime payout product — its job is index-linked accumulation with a premium bonus, not income.
Several of the index strategies use proprietary, volatility-controlled or thematic indexes (DB Foresight X-Asset 10, Nasdaq-100 Volatility Control, S&P 500 Dynamic Intraday TCA ER, Nasdaq-100 Bitcoin Trends). Their participation rates can look high in absolute terms but are not directly comparable to an S&P 500 annual cap — each has to be evaluated on its own historical behavior and forward characteristics, not on the headline participation number.
Surrender lockup runs ten years with a market-value adjustment on amounts above the annual free-withdrawal allowance, the high-band crediting rates require a six-figure premium (smaller deposits get materially lower fixed-bucket rates), and the death benefit is the standard cash surrender value with no rollup and no step-up — estate-focused buyers expecting an enhanced death benefit will not find one here. The contract is also filed in fewer than all US jurisdictions and is NOT available in California, Connecticut, Minnesota, North Carolina, New Jersey, New York, Puerto Rico, Rhode Island, or Wisconsin.
Not ideal for
Buyers who need a contractually guaranteed lifetime withdrawal rate (no rider here and no PIV chassis), an enhanced death benefit with a rollup or step-up, short-surrender liquidity inside the bonus vesting window, or residency in California, Connecticut, Minnesota, North Carolina, New Jersey, New York, Puerto Rico, Rhode Island, or Wisconsin where this contract is not filed. Also not a fit for buyers who would rather avoid the bonus-funded rate trade by comparing against the carrier's non-PLUS Trailhead chassis first.
Free Comparison Report
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See how Trailhead FIA PLUS compares for your age, state, premium, and income goals alongside other Axonic Insurance Services (AIS) fixed indexed annuity options.
These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.
Par: 64% · 1-yr
NASDAQ-100 Volatility Control 7% Index
participation
5-yr surrender$100,000+
Par: 55% · 1-yr
DB Foresight X-Asset 10 Index
participation
5-yr surrender$100,000+
Par: 43% · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
5-yr surrender$100,000+
Par: 38% · 1-yr
Nasdaq-100 Bitcoin Trends 15% Index
participation
5-yr surrender$100,000+
Par: 35% · 1-yr
S&P 500 Index
participation
5-yr surrender$100,000+
Cap: 6% · 1-yr
S&P 500 Index
cap
5-yr surrender$100,000+
Fixed: 3% · 1-yr
Fixed Account
fixed
5-yr surrender$100,000+
Par: 77% · 2-yr
NASDAQ-100 Volatility Control 7% Index
participation
5-yr surrender$100,000+
Par: 68% · 2-yr
DB Foresight X-Asset 10 Index
participation
5-yr surrender$100,000+
Par: 55% · 2-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
5-yr surrender$100,000+
Par: 51% · 2-yr
Nasdaq-100 Bitcoin Trends 15% Index
participation
5-yr surrender$100,000+
Par: 45% · 2-yr
S&P 500 Index
participation
5-yr surrender$100,000+
Cap: 8.75% · 2-yr
S&P 500 Index
cap
5-yr surrender$100,000+
Fixed: 3% · 2-yr
Fixed Account
fixed
5-yr surrender$100,000+
Par: 51% · 1-yr
NASDAQ-100 Volatility Control 7% Index
participation
5-yr surrenderUp to $99,999.99
Par: 42% · 1-yr
DB Foresight X-Asset 10 Index
participation
5-yr surrenderUp to $99,999.99
Par: 34% · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
5-yr surrenderUp to $99,999.99
Par: 34% · 1-yr
Nasdaq-100 Bitcoin Trends 15% Index
participation
5-yr surrenderUp to $99,999.99
Par: 30% · 1-yr
S&P 500 Index
participation
5-yr surrenderUp to $99,999.99
Cap: 5.5% · 1-yr
S&P 500 Index
cap
5-yr surrenderUp to $99,999.99
Fixed: 2.5% · 1-yr
Fixed Account
fixed
5-yr surrenderUp to $99,999.99
Par: 72% · 2-yr
NASDAQ-100 Volatility Control 7% Index
participation
5-yr surrenderUp to $99,999.99
Par: 64% · 2-yr
DB Foresight X-Asset 10 Index
participation
5-yr surrenderUp to $99,999.99
Par: 47% · 2-yr
Nasdaq-100 Bitcoin Trends 15% Index
participation
5-yr surrenderUp to $99,999.99
Par: 43% · 2-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
5-yr surrenderUp to $99,999.99
Par: 35% · 2-yr
S&P 500 Index
participation
5-yr surrenderUp to $99,999.99
Cap: 8.5% · 2-yr
S&P 500 Index
cap
5-yr surrenderUp to $99,999.99
Fixed: 2.5% · 2-yr
Fixed Account
fixed
5-yr surrenderUp to $99,999.99
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 Trailhead FIA PLUS
● Can I lose money in Trailhead FIA PLUS?
A negative index return by itself does not reduce the contract's account value: Trailhead FIA PLUS 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 10% 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 10% 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 Trailhead FIA PLUS's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another current Trailhead FIA PLUS 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
10%/yr
Annual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2
Nursing home waiver, Terminal illness waiver
Premium bonus
20%
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.
Cap-rate floor
1.00%
Minimum guaranteed cap for cap-based indexed strategies.
Fixed account guarantee
1.40%
Guaranteed minimum interest rate for the fixed account.
Participation-rate floor
0.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
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
Axonic_Trailhead_FIA_PLUS_Product_Spec.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 PLUS currently shows 28 indexed or fixed crediting options, including S&P 500 Index, with 12 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: 6% annual cap
S&P 500 Index: 5.5% annual cap
S&P 500 Index: 35% annual participation rate
S&P 500 Index: 30% 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.
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 Axonic_Trailhead_FIA_PLUS_Product_Spec.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
Free Comparison Report
Get a Trailhead FIA PLUS rate report
See how Trailhead FIA PLUS compares for your age, state, premium, and income goals alongside other Axonic Insurance Services (AIS) fixed indexed annuity options.