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Fixed Indexed Annuity

Trailhead FIA PLUS with Enhanced Premium Bonus

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 29, 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

An accumulation-focused, A- rated fixed indexed annuity from Axonic Insurance Services that pairs a day-one premium bonus (delivered through a named rider with a published rider fee and multi-year vesting) with a crediting menu built around an S&P 500 annual point-to-point cap plus participation-rate strategies on the S&P 500 Dynamic Intraday TCA, DB Foresight X-Asset 10, NASDAQ-100 Volatility Control 7%, and Nasdaq-100 Bitcoin Trends 15% indexes, with no lifetime-income rider attached.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who want tax-deferred accumulation from an A- rated carrier, value a day-one premium bonus that lifts the starting account value, can deposit at least $100,000 to qualify for the high-band crediting rates, are willing to pay a published rider fee and accept a multi-year bonus vesting schedule in exchange for the bonus, and want a single contract that can express either a recognizable S&P 500 annual cap or higher-participation exposure to volatility-controlled and thematic proprietary indexes.

AM Best

A- Excellent

Surrender period

7 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 contract is named for what it does. The 'Enhanced Premium Bonus Rider' adds a day-one premium bonus to the account value at issue, so the buyer's starting balance steps up immediately rather than waiting on index crediting. The bonus is filed as a rider with a published rider fee and a multi-year vesting schedule, not as a free credit (see watch-outs).
  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with a wide proprietary-index participation menu — the S&P 500 Dynamic Intraday TCA Index, the DB Foresight X-Asset 10 Index, the NASDAQ-100 Volatility Control 7% Index, and a Nasdaq-100 Bitcoin Trends 15% Index — so the same contract can express either a like-for-like named-index cap comparison or a higher-participation alternative against vol-controlled and thematic indexes.
  • Most index strategies are offered in both a 1-year and a 2-year crediting term on the same contract, so a buyer who prefers longer crediting windows on the same index can change the cadence without changing the index.
  • Standard accumulation liquidity package is visible on the page rather than buried in a brochure — a 10% annual free-withdrawal allowance plus nursing-home and terminal-illness surrender waivers — and the full year-by-year surrender ladder, the MVA flag, and the GMIR are all surfaced directly.

What to confirm

  • Premium bonuses are not free money. The 'Enhanced Premium Bonus' is delivered through a named rider that carries a published rider fee deducted from the account value every year (not just when index crediting is positive), and the bonus itself vests over a multi-year schedule — a buyer who surrenders early forfeits the unvested portion AND pays the rider fee for the years they held the contract. Compare net long-horizon crediting against the carrier's non-bonus Trailhead chassis before assuming the bonus is a net win.
  • There is no lifetime-income rider on this contract in the live data. Do not pitch Trailhead FIA PLUS with Enhanced Premium Bonus as a guaranteed lifetime payout product — its job is bonus-amplified index-linked accumulation, 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 — each strategy has to be evaluated on its own historical behavior and live-track record, not on the headline participation number alone.
  • The contract carries a market-value adjustment on surrenders above the free-withdrawal allowance on top of the surrender charge, and the high-band crediting rates require a $100,000 premium — smaller deposits get materially lower caps and participation on the same strategies. The death benefit is the standard cash surrender value with no rollup and no step-up, so estate-focused buyers expecting an enhanced death benefit will not find one here. Filed in 43 jurisdictions, so confirm availability in your state before quoting.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate (no income rider attached here — pick a product with a GLWB instead), want an enhanced or rolled-up death benefit, need short-surrender liquidity inside the bonus vesting window, would rather not pay an annual rider fee in exchange for the bonus, or reside in a state where this contract is not filed (only 43 jurisdictions). Also not a fit for buyers who would prefer the carrier's non-bonus Trailhead chassis before accepting the rider-fee-funded bonus trade.

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

7-yr surrender$100,000+

Par: 65% · 1-yr

DB Foresight X-Asset 10 Index

participation

7-yr surrender$100,000+

Par: 55% · 1-yr

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

participation

7-yr surrender$100,000+

Par: 45% · 1-yr

Nasdaq-100 Bitcoin Trends 15% Index

participation

7-yr surrender$100,000+

Par: 40% · 1-yr

S&P 500 Index

participation

7-yr surrender$100,000+

Cap: 6.75% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Fixed: 3.15% · 1-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 90% · 2-yr

NASDAQ-100 Volatility Control 7% Index

participation

7-yr surrender$100,000+

Par: 80% · 2-yr

DB Foresight X-Asset 10 Index

participation

7-yr surrender$100,000+

Par: 70% · 2-yr

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

participation

7-yr surrender$100,000+

Par: 60% · 2-yr

Nasdaq-100 Bitcoin Trends 15% Index

participation

7-yr surrender$100,000+

Par: 50% · 2-yr

S&P 500 Index

participation

7-yr surrender$100,000+

Cap: 9.5% · 2-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Fixed: 3.15% · 2-yr

Fixed Account

fixed

7-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

12%

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%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

Yr 6

4%

Yr 7

3%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

Trailhead_FIA_PLUS_Consumer_Brochure.pdf

Confidence: highReviewed Apr 14, 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 with Enhanced Premium Bonus 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
  • 7 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_PLUS_Consumer_Brochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 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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