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Fixed Indexed Annuity

Trailhead FIA PLUS

Axonic Insurance Services (AIS)

6.75%

Best Cap

10%

Free W/D

43

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 annual point-to-point cap

6.75% 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 termAdvisorWorld + 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 period

10 years

Free withdrawal

10%/yr

Availability

43 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

6.75% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

40% participation rate

Rate varies by premium band.

S&P 500

S&P 500 Index

9.5% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

50% participation rate

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Bitcoin Trends 15% Index

45% participation rate

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Bitcoin Trends 15% Index

60% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

3.15% declared rate

Rate varies by premium band.

Fixed Account

Fixed Account

3.15% 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

  • 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.

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: 75% · 1-yr

NASDAQ-100 Volatility Control 7% Index

participation

10-yr surrender$100,000+

Par: 65% · 1-yr

DB Foresight X-Asset 10 Index

participation

10-yr surrender$100,000+

Par: 55% · 1-yr

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

participation

10-yr surrender$100,000+

Par: 45% · 1-yr

Nasdaq-100 Bitcoin Trends 15% Index

participation

10-yr surrender$100,000+

Par: 40% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Cap: 6.75% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Fixed: 3.15% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 90% · 2-yr

NASDAQ-100 Volatility Control 7% Index

participation

10-yr surrender$100,000+

Par: 80% · 2-yr

DB Foresight X-Asset 10 Index

participation

10-yr surrender$100,000+

Par: 70% · 2-yr

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

participation

10-yr surrender$100,000+

Par: 60% · 2-yr

Nasdaq-100 Bitcoin Trends 15% Index

participation

10-yr surrender$100,000+

Par: 50% · 2-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Cap: 9.5% · 2-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Fixed: 3.15% · 2-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 75% · 1-yr

NASDAQ-100 Volatility Control 7% Index

$100,000+

Par: 65% · 1-yr

DB Foresight X-Asset 10 Index

$100,000+

Par: 55% · 1-yr

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

$100,000+

Par: 45% · 1-yr

Nasdaq-100 Bitcoin Trends 15% Index

$100,000+

Par: 40% · 1-yr

S&P 500 Index

$100,000+

Cap: 6.75% · 1-yr

S&P 500 Index

$100,000+

Fixed: 3.15% · 1-yr

Fixed Account

$100,000+

Par: 90% · 2-yr

NASDAQ-100 Volatility Control 7% Index

$100,000+

Par: 80% · 2-yr

DB Foresight X-Asset 10 Index

$100,000+

Par: 70% · 2-yr

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

$100,000+

Par: 60% · 2-yr

Nasdaq-100 Bitcoin Trends 15% Index

$100,000+

Par: 50% · 2-yr

S&P 500 Index

$100,000+

Cap: 9.5% · 2-yr

S&P 500 Index

$100,000+

Fixed: 3.15% · 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

Premium bonus

9%

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: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.40%

Strategy guarantee

Minimum guaranteed participation: 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

4.7%

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 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: 6.75% cap
  • S&P 500 Dynamic Intraday TCA Index (USD) ER: 55% participation
  • S&P 500 Index: 40% 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 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

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