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Fixed Indexed Annuity

Blueprint Annuity

Security Benefit Life

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9.25%

Best S&P 500 Annual Cap

10%

Free W/D

49

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 Blueprint Annuity 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
$307,812
Est. value at age 80 (Blueprint Annuity)
9.25%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 9.25% 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 Blueprint Annuity's published cap rate (9.25% 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. Not a projection, quote, or guarantee. Live CANNEX rates as of July 16, 2026.

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See how Blueprint Annuity compares for your age, state, premium, and income goals alongside other Security Benefit Life fixed indexed annuity options.

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Live rate data

Run live numbers for Blueprint Annuity

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

Live product data

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

S&P 500 annual cap rate

9.25% cap on S&P 500

A Security Benefit accumulation FIA built around several S&P 500 crediting methods and no current income rider.

1-year term5-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers who prefer a recognizable-index FIA menu and want to choose among cap, trigger, and participation mechanics.

AM Best

A- Excellent

Surrender options

3 and 5 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. California, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8% cap rate

Annual cap

1-year term · 3-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

9.25% cap rate

Annual cap

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

6.5% trigger rate

Performance trigger

1-year term · 3-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

7.25% trigger rate

Performance trigger

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

7.75% cap rate

Annual cap

3-year term · 3-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

9% cap rate

Annual cap

5-year term · 5-year surrender · Does not vary by premium

Fixed Account

Fixed Account

4% declared rate

Fixed account

1-year term · 3-year surrender · Does not vary by premium

Fixed Account

Fixed Account

4.25% declared rate

Fixed account

1-year term · 5-year surrender · Does not vary by premium

Fixed Account

Fixed Account

4.6% declared rate

Fixed account

3-year term · 3-year surrender · Does not vary by premium

Fixed Account

Fixed Account

5% declared rate

Fixed account

5-year term · 5-year surrender · Does not vary by premium

Product analyst notes

How to think about this contract

Why it can stand out

  • The index menu is concentrated on the recognizable S&P 500 rather than proprietary benchmarks.
  • Annual point-to-point, performance-trigger, and multi-year participation structures provide distinct crediting choices.
  • The contract has broad non-New-York availability in the current state data.

What to confirm

  • Cap, trigger, and participation values are different rate kinds and should not be ranked as if interchangeable.
  • A market value adjustment and surrender schedule can affect early-access proceeds.
  • This accumulation contract does not currently show a guaranteed lifetime-income rider.

Not ideal for

Buyers seeking guaranteed lifetime income, New York availability, or unrestricted liquidity.

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See how Blueprint Annuity compares for your age, state, premium, and income goals alongside other Security Benefit Life fixed indexed annuity options.

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All crediting strategies

View rate listings (10 strategies)

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

Cap: 8% · 1-yr

S&P 500 Index

cap

3-yr surrenderDoes not vary by premium

Trigger: 6.5% · 1-yr

S&P 500 Index

trigger

3-yr surrenderDoes not vary by premium

Fixed: 4% · 1-yr

Fixed Account

fixed

3-yr surrenderDoes not vary by premium

Cap: 7.75% · 3-yr

S&P 500 Index

cap

3-yr surrenderDoes not vary by premium

Fixed: 4.6% · 3-yr

Fixed Account

fixed

3-yr surrenderDoes not vary by premium

Cap: 9.25% · 1-yr

S&P 500 Index

cap

5-yr surrenderDoes not vary by premium

Trigger: 7.25% · 1-yr

S&P 500 Index

trigger

5-yr surrenderDoes not vary by premium

Fixed: 4.25% · 1-yr

Fixed Account

fixed

5-yr surrenderDoes not vary by premium

Cap: 9% · 5-yr

S&P 500 Index

cap

5-yr surrenderDoes not vary by premium

Fixed: 5% · 5-yr

Fixed Account

fixed

5-yr surrenderDoes not vary by premium

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 Blueprint Annuity

● Can I lose money in Blueprint Annuity?

A negative index return by itself does not reduce the contract's account value: Blueprint Annuity 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 5 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 Blueprint Annuity's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Blueprint Annuity 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

Death benefit

Death Benefit

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

Cap-rate floor

0.50%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

0.50%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

1.75%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

100.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single life

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%

After

0%

Nursing home waiver, Terminal illness 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-
S&PA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Blueprint Annuity currently shows 9 distinct indexed or fixed crediting choices across 10 displayed rate entries, including S&P 500 Index. 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: 8% annual cap
  • S&P 500 Index: 9.25% annual cap
  • S&P 500 Index: 100% annual participation rate
  • S&P 500 Index: 7.75% 3-year cap

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
  • 5 surrender years
  • Nursing home waiver
  • Terminal illness 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

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See how Blueprint Annuity compares for your age, state, premium, and income goals alongside other Security Benefit Life fixed indexed annuity options.

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