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Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates

Fixed Indexed Annuity

Chartline

Knighthead Life

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10.25%

Best S&P 500 Annual Cap

10%

Free W/D

45

Available jurisdictions

Product data status: July 16, 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.

Model this product

See what Chartline 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
$303,603
Est. value at age 80 (Chartline)
10.25%
Best S&P 500 1-yr point-to-point cap
Dow Jones Industrial Average — 8.75% Cap (Annual)
✦
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 Chartline's published cap rate (8.75% on Dow Jones Industrial Average) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 16, 2026.

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Get a Chartline rate report

See how Chartline compares for your age, state, premium, and income goals alongside other Knighthead Life fixed indexed annuity options.

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Live rate data

Run live numbers for Chartline

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Knighthead Life product.

Live product data

Rates as of July 16, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual point-to-point cap

10.25% cap on S&P 500

A multi-term Knighthead accumulation FIA with a broad recognizable-index menu and no bonus or income rider.

1-year term10-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

Accumulation buyers who want several term lengths and a broad selection of familiar benchmark indexes.

AM Best

A- Excellent

Surrender options

5, 7, and 10 years

Free withdrawal

10%/yr

Availability

45 jurisdictions (restricted footprint)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.75% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

Global Diversified Balance Model Portfolio — 15% allocation

9.75% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

S&P 500

S&P 500 Index

American Benchmark Collection Model Portfolio — 40% allocation

9.75% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

S&P 500

S&P 500 Index

CAP Amplifier Model Portfolio — 50% allocation

12% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

S&P 500

S&P 500 Index

10% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

Global Diversified Balance Model Portfolio — 15% allocation

10% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

S&P 500

S&P 500 Index

American Benchmark Collection Model Portfolio — 40% allocation

10% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

S&P 500

S&P 500 Index

CAP Amplifier Model Portfolio — 50% allocation

12.25% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

S&P 500

S&P 500 Index

10.25% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

Global Diversified Balance Model Portfolio — 15% allocation

10.25% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

S&P 500

S&P 500 Index

American Benchmark Collection Model Portfolio — 40% allocation

10.25% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

S&P 500

S&P 500 Index

CAP Amplifier Model Portfolio — 50% allocation

12.5% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

8.75% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

Global Diversified Balance Model Portfolio — 15% allocation

8.75% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

American Benchmark Collection Model Portfolio — 30% allocation

8.5% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

9% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

Global Diversified Balance Model Portfolio — 15% allocation

9% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

American Benchmark Collection Model Portfolio — 30% allocation

8.75% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

9.25% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

Global Diversified Balance Model Portfolio — 15% allocation

9.25% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

American Benchmark Collection Model Portfolio — 30% allocation

9% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

Dow Jones

Dow Jones Industrial Average

Global Diversified Balance Model Portfolio — 15% allocation

8.25% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

Dow Jones

Dow Jones Industrial Average

8.25% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

Dow Jones

Dow Jones Industrial Average

American Benchmark Collection Model Portfolio — 30% allocation

8.5% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

Dow Jones

Dow Jones Industrial Average

8.5% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

Dow Jones

Dow Jones Industrial Average

Global Diversified Balance Model Portfolio — 15% allocation

8.5% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

Dow Jones

Dow Jones Industrial Average

American Benchmark Collection Model Portfolio — 30% allocation

8.75% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

Dow Jones

Dow Jones Industrial Average

8.75% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

Dow Jones

Dow Jones Industrial Average

Global Diversified Balance Model Portfolio — 15% allocation

8.75% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

Dow Jones

Dow Jones Industrial Average

American Benchmark Collection Model Portfolio — 30% allocation

9% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

Fixed Account

Fixed Account

4.8% declared rate

Fixed account

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4.9% declared rate

Fixed account

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

5% declared rate

Fixed account

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

+ 36 additional crediting options (STOXX Europe, S&P 500, NYSE Bonds...)

Product analyst notes

How to think about this contract

Why it can stand out

  • One filing offers several surrender-term choices and a wide set of annual cap and participation strategies on recognizable indexes.
  • The menu includes major US and international equity benchmarks as well as volatility-managed alternatives.

What to confirm

  • The live feed carries multiple term-specific strategies, so a quoted cap must stay tied to the selected surrender option.
  • A market value adjustment applies to early surrender; the live data shows no GLWB rider or Protected Income Value chassis.

Not ideal for

Buyers seeking guaranteed lifetime withdrawals, an upfront bonus, or simple fixed-rate certainty.

Free Comparison Report

Get a Chartline rate report

See how Chartline compares for your age, state, premium, and income goals alongside other Knighthead Life fixed indexed annuity options.

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All crediting strategies

View rate listings (77 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Par: 130% · 1-yr

NYSE Bonds and Commodities Index

participation

5-yr surrender$100,000+

Par: 130% · 1-yr

NYSE Premier Index

Global Diversified Balance Model Portfolio — 20% allocation · participation

5-yr surrender$100,000+

Par: 80% · 1-yr

NYSE Bonds and Commodities Index

CAP Amplifier Model Portfolio — 20% allocation · participation

5-yr surrender$100,000+

Par: 60% · 1-yr

S&P 500 Daily Risk Control 15% Index

participation

5-yr surrender$100,000+

Par: 60% · 1-yr

S&P 500 Daily Risk Control 15% Index

Global Diversified Balance Model Portfolio — 15% allocation · participation

5-yr surrender$100,000+

Par: 35% · 1-yr

S&P 500 Daily Risk Control 15% Index

CAP Amplifier Model Portfolio — 30% allocation · participation

5-yr surrender$100,000+

Cap: 12% · 1-yr

S&P 500 Index

CAP Amplifier Model Portfolio — 50% allocation · cap

5-yr surrender$100,000+

Cap: 10.75% · 1-yr

STOXX Europe 600

cap

5-yr surrender$100,000+

Cap: 10.75% · 1-yr

STOXX Europe 600

Global Diversified Balance Model Portfolio — 20% allocation · cap

5-yr surrender$100,000+

Cap: 9.75% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 9.75% · 1-yr

S&P 500 Index

Global Diversified Balance Model Portfolio — 15% allocation · cap

5-yr surrender$100,000+

Cap: 9.75% · 1-yr

S&P 500 Index

American Benchmark Collection Model Portfolio — 40% allocation · cap

5-yr surrender$100,000+

Cap: 8.75% · 1-yr

Nasdaq-100 Index

cap

5-yr surrender$100,000+

Cap: 8.75% · 1-yr

Nasdaq-100 Index

Global Diversified Balance Model Portfolio — 15% allocation · cap

5-yr surrender$100,000+

Cap: 8.5% · 1-yr

Nasdaq-100 Index

American Benchmark Collection Model Portfolio — 30% allocation · cap

5-yr surrender$100,000+

Cap: 8.5% · 1-yr

Dow Jones Industrial Average

American Benchmark Collection Model Portfolio — 30% allocation · cap

5-yr surrender$100,000+

Cap: 8.25% · 1-yr

Dow Jones Industrial Average

Global Diversified Balance Model Portfolio — 15% allocation · cap

5-yr surrender$100,000+

Cap: 8.25% · 1-yr

Dow Jones Industrial Average

cap

5-yr surrender$100,000+

Fixed: 4.8% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 125% · 1-yr

NYSE Bonds and Commodities Index

participation

5-yr surrenderUp to $99,999.99

Par: 55% · 1-yr

S&P 500 Daily Risk Control 15% Index

participation

5-yr surrenderUp to $99,999.99

Cap: 10.25% · 1-yr

STOXX Europe 600

cap

5-yr surrenderUp to $99,999.99

Cap: 9.25% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 8.25% · 1-yr

Nasdaq-100 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 7.75% · 1-yr

Dow Jones Industrial Average

cap

5-yr surrenderUp to $99,999.99

Fixed: 4.6% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Par: 135% · 1-yr

NYSE Bonds and Commodities Index

participation

7-yr surrender$100,000+

Par: 135% · 1-yr

NYSE Premier Index

Global Diversified Balance Model Portfolio — 20% allocation · participation

7-yr surrender$100,000+

Par: 85% · 1-yr

NYSE Bonds and Commodities Index

CAP Amplifier Model Portfolio — 20% allocation · participation

7-yr surrender$100,000+

Par: 65% · 1-yr

S&P 500 Daily Risk Control 15% Index

participation

7-yr surrender$100,000+

Par: 65% · 1-yr

S&P 500 Daily Risk Control 15% Index

Global Diversified Balance Model Portfolio — 15% allocation · participation

7-yr surrender$100,000+

Par: 40% · 1-yr

S&P 500 Daily Risk Control 15% Index

CAP Amplifier Model Portfolio — 30% allocation · participation

7-yr surrender$100,000+

Cap: 12.25% · 1-yr

S&P 500 Index

CAP Amplifier Model Portfolio — 50% allocation · cap

7-yr surrender$100,000+

Cap: 11.25% · 1-yr

STOXX Europe 600

cap

7-yr surrender$100,000+

Cap: 11.25% · 1-yr

STOXX Europe 600

Global Diversified Balance Model Portfolio — 20% allocation · cap

7-yr surrender$100,000+

Cap: 10% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Cap: 10% · 1-yr

S&P 500 Index

Global Diversified Balance Model Portfolio — 15% allocation · cap

7-yr surrender$100,000+

Cap: 10% · 1-yr

S&P 500 Index

American Benchmark Collection Model Portfolio — 40% allocation · cap

7-yr surrender$100,000+

Cap: 9% · 1-yr

Nasdaq-100 Index

cap

7-yr surrender$100,000+

Cap: 9% · 1-yr

Nasdaq-100 Index

Global Diversified Balance Model Portfolio — 15% allocation · cap

7-yr surrender$100,000+

Cap: 8.75% · 1-yr

Nasdaq-100 Index

American Benchmark Collection Model Portfolio — 30% allocation · cap

7-yr surrender$100,000+

Cap: 8.75% · 1-yr

Dow Jones Industrial Average

American Benchmark Collection Model Portfolio — 30% allocation · cap

7-yr surrender$100,000+

Cap: 8.5% · 1-yr

Dow Jones Industrial Average

cap

7-yr surrender$100,000+

Cap: 8.5% · 1-yr

Dow Jones Industrial Average

Global Diversified Balance Model Portfolio — 15% allocation · cap

7-yr surrender$100,000+

Fixed: 4.9% · 1-yr

Fixed Account

fixed

7-yr surrender$100,000+

Cap: 9.5% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Cap: 8.5% · 1-yr

Nasdaq-100 Index

cap

7-yr surrenderUp to $99,999.99

Cap: 8% · 1-yr

Dow Jones Industrial Average

cap

7-yr surrenderUp to $99,999.99

Fixed: 4.7% · 1-yr

Fixed Account

fixed

7-yr surrenderUp to $99,999.99

Par: 140% · 1-yr

NYSE Bonds and Commodities Index

participation

10-yr surrender$100,000+

Par: 140% · 1-yr

NYSE Premier Index

Global Diversified Balance Model Portfolio — 20% allocation · participation

10-yr surrender$100,000+

Par: 90% · 1-yr

NYSE Bonds and Commodities Index

CAP Amplifier Model Portfolio — 20% allocation · participation

10-yr surrender$100,000+

Par: 70% · 1-yr

S&P 500 Daily Risk Control 15% Index

participation

10-yr surrender$100,000+

Par: 70% · 1-yr

S&P 500 Daily Risk Control 15% Index

Global Diversified Balance Model Portfolio — 15% allocation · participation

10-yr surrender$100,000+

Par: 45% · 1-yr

S&P 500 Daily Risk Control 15% Index

CAP Amplifier Model Portfolio — 30% allocation · participation

10-yr surrender$100,000+

Cap: 12.5% · 1-yr

S&P 500 Index

CAP Amplifier Model Portfolio — 50% allocation · cap

10-yr surrender$100,000+

Cap: 11.75% · 1-yr

STOXX Europe 600

cap

10-yr surrender$100,000+

Cap: 11.75% · 1-yr

STOXX Europe 600

Global Diversified Balance Model Portfolio — 20% allocation · cap

10-yr surrender$100,000+

Cap: 10.25% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Cap: 10.25% · 1-yr

S&P 500 Index

Global Diversified Balance Model Portfolio — 15% allocation · cap

10-yr surrender$100,000+

Cap: 10.25% · 1-yr

S&P 500 Index

American Benchmark Collection Model Portfolio — 40% allocation · cap

10-yr surrender$100,000+

Cap: 9.25% · 1-yr

Nasdaq-100 Index

cap

10-yr surrender$100,000+

Cap: 9.25% · 1-yr

Nasdaq-100 Index

Global Diversified Balance Model Portfolio — 15% allocation · cap

10-yr surrender$100,000+

Cap: 9% · 1-yr

Nasdaq-100 Index

American Benchmark Collection Model Portfolio — 30% allocation · cap

10-yr surrender$100,000+

Cap: 9% · 1-yr

Dow Jones Industrial Average

American Benchmark Collection Model Portfolio — 30% allocation · cap

10-yr surrender$100,000+

Cap: 8.75% · 1-yr

Dow Jones Industrial Average

cap

10-yr surrender$100,000+

Cap: 8.75% · 1-yr

Dow Jones Industrial Average

Global Diversified Balance Model Portfolio — 15% allocation · cap

10-yr surrender$100,000+

Fixed: 5% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Rate not shown · 1-yr

Global Diversified Balance Model Portfolio

Global Diversified Balance Model Portfolio · Allocation model

Selected state rate set (TX)Up to $99,999.99

Rate not shown · 1-yr

American Benchmark Collection Model Portfolio

American Benchmark Collection Model Portfolio · Allocation model

Selected state rate set (TX)Up to $99,999.99

Rate not shown · 1-yr

CAP Amplifier Model Portfolio

CAP Amplifier Model Portfolio · Allocation model

Selected state rate set (TX)Up to $99,999.99

Rate not shown · 1-yr

Global Diversified Balance Model Portfolio

Global Diversified Balance Model Portfolio · Allocation model

Selected state rate set (TX)Up to $99,999.99

Rate not shown · 1-yr

American Benchmark Collection Model Portfolio

American Benchmark Collection Model Portfolio · Allocation model

Selected state rate set (TX)Up to $99,999.99

Rate not shown · 1-yr

CAP Amplifier Model Portfolio

CAP Amplifier Model Portfolio · Allocation model

Selected state rate set (TX)Up to $99,999.99

Rate not shown · 1-yr

Global Diversified Balance Model Portfolio

Global Diversified Balance Model Portfolio · Allocation model

Selected state rate set (TX)Up to $99,999.99

Rate not shown · 1-yr

American Benchmark Collection Model Portfolio

American Benchmark Collection Model Portfolio · Allocation model

Selected state rate set (TX)Up to $99,999.99

Rate not shown · 1-yr

CAP Amplifier Model Portfolio

CAP Amplifier Model Portfolio · Allocation model

Selected state rate set (TX)Up 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 Chartline

● Can I lose money in Chartline?

A negative index return by itself does not reduce the contract's account value: Chartline 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 Chartline's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Chartline 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

3

Activities of daily living, Nursing home waiver, RMD waiver

Death benefit

Standard Death Benefit

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

Cap-rate floor

0.10%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

0.10%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

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%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, RMD waiver, Surrender waivers

Documents

Carrier documents not available for this product

Brochures, product guides, or contract disclosures are currently unavailable for this product. Request the state-specific brochure or specimen contract from the carrier before purchase.

Carrier Ratings

AM BestA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Chartline currently shows 71 distinct indexed or fixed crediting choices across 77 displayed rate entries, including S&P 500 Index, with 30 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: 9.75% annual cap
  • S&P 500 Index: 9.75% annual cap, Global Diversified Balance Model Portfolio — 15% allocation
  • S&P 500 Index: 9.75% annual cap, American Benchmark Collection Model Portfolio — 40% allocation
  • S&P 500 Index: 12% annual cap, CAP Amplifier Model Portfolio — 50% allocation

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
  • RMD waiver

Verification note

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

This page uses the current structured product information 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

Free Comparison Report

Get a Chartline rate report

See how Chartline compares for your age, state, premium, and income goals alongside other Knighthead Life fixed indexed annuity options.

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