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Fixed Indexed Annuity

Foundations Annuity

Security Benefit Life

9.65%

Best Cap

10%

Free W/D

50

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 cap rate

9.65% cap on S&P 500

An accumulation-focused fixed indexed annuity from an A- rated carrier with a meaningful up-front premium bonus and a wide crediting menu — annual point-to-point caps and participation strategies on a mix of recognizable benchmark and proprietary volatility-controlled indexes, plus an S&P 500 trigger and a fixed account — and no built-in income rider.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who value an up-front premium bonus on top of a multi-strategy crediting menu, want exposure across recognizable indexes (S&P 500, Russell 2000, MSCI EAFE, Nasdaq-100) plus proprietary participation alternatives, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A- Excellent

Surrender period

7 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.65% cap rate

S&P 500

S&P 500 Index

3.5% cap rate

S&P 500

S&P 500 Index

9.75% cap rate

S&P 500

S&P 500 Index

100% participation rate + 7.65% declared rate

S&P 500

S&P 500 Factor Rotator Daily RC2 7% Index (USD) ER

130% participation rate + 0% spread

S&P 500

S&P 500 Factor Rotator Daily RC2 7% Index (USD) ER

190% participation rate + 0% spread

Nasdaq-100

Nasdaq-100 Index

9.75% cap rate

Fixed Account

Fixed Account

4.75% declared rate

+ 8 volatility-controlled index options (S&P 500, S&P MARC, Morningstar Wide...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Premium bonus is meaningful — the contract credits a substantial up-front premium bonus on day one, which gives the accumulation calculation a head start that most non-bonus FIAs do not have. Bonus terms vary by state and elected option, so confirm with the carrier.
  • Crediting menu mixes designs on the same recognizable indexes — annual point-to-point cap, a fixed-rate trigger on the S&P 500, and participation strategies on proprietary volatility-controlled benchmarks — so a buyer can pick the mechanic that fits their view of the index rather than being locked into a single style.
  • Carrier financial-strength is rated by more than one independent agency, so the strength view is not a single-source read.
  • Free-withdrawal allowance and the full surrender ladder are visible on this page, so the schedule of penalty-free liquidity is not gated behind a sales brochure.

What to confirm

  • This contract is not a guaranteed-lifetime-income product. The live feed shows an empty income-rider list and the only contract-level enhancements are surrender-charge waivers (nursing home, terminal illness). Do not compare its payout side-by-side with a rider-led income FIA.
  • Premium bonus structures typically come with offsetting trade-offs in this market — caps, participation rates, or the available index menu can be tuned to recover the carrier's bonus economics over the surrender term. Treat the bonus as a deferred return enhancement, not a free top-up, and compare net projected outcomes against a no-bonus FIA on the same horizon.
  • Several of the listed crediting strategies sit on proprietary volatility-controlled benchmarks (S&P 500 Low Volatility Daily Risk Control, S&P 500 Factor Rotator, S&P MARC Excess Return, Morningstar Wide Moat Focus Barclays VC) rather than uncontrolled benchmark indexes. Participation rates on these strategies can look high in absolute terms but are not directly comparable to an uncontrolled S&P 500 cap — evaluate each strategy on its own merits.
  • The contract carries a multi-year surrender schedule with non-zero charges through the full term. Buyers who may need access to principal before the term ends should size the premium accordingly and rely on the annual free-withdrawal allowance rather than expecting an early exit at full value.

Not ideal for

Buyers who need a contractually guaranteed GLWB withdrawal rate or a built-in Protected Income Value income mechanism, want a short-surrender commitment, or want a plain MYGA-style declared rate without index-linked variability — none of those are what this contract is built to deliver.

All crediting strategies

View rate listings (31 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: 210% + Spread: 0% · 1-yr

S&P MARC 5% Excess Return

participation

7-yr surrender

Par: 165% + Spread: 0% · 1-yr

Morningstar Wide Moat Focus Barclays VC 7% Index ER

participation

7-yr surrender

Par: 130% + Spread: 0% · 1-yr

S&P 500 Factor Rotator Daily RC2 7% Index (USD) ER

participation

7-yr surrender

Par: 100% + Spread: 1.5% · 1-yr

S&P 500 Low Volatility Daily Risk Control 5% USD Total Return Index

participation

7-yr surrender

Par: 100% + Fixed: 7.65% · 1-yr

S&P 500 Index

trigger

7-yr surrender

Cap: 9.75% · 1-yr

S&P 500 Index

monthly_avg_cap

7-yr surrender

Cap: 9.75% · 1-yr

MSCI EAFE Index

cap

7-yr surrender

Cap: 9.75% · 1-yr

Russell 2000 Index

cap

7-yr surrender

Cap: 9.75% · 1-yr

Nasdaq-100 Index

cap

7-yr surrender

Cap: 9.65% · 1-yr

S&P 500 Index

cap

7-yr surrender

Fixed: 4.75% · 1-yr

Fixed Account

fixed

7-yr surrender

Cap: 3.5% · 1-yr

S&P 500 Index

monthly_sum_cap

7-yr surrender

Par: 275% + Spread: 0% · 2-yr

S&P MARC 5% Excess Return

participation

7-yr surrender

Par: 220% + Spread: 0% · 2-yr

Morningstar Wide Moat Focus Barclays VC 7% Index ER

participation

7-yr surrender

Par: 190% + Spread: 0% · 2-yr

S&P 500 Factor Rotator Daily RC2 7% Index (USD) ER

participation

7-yr surrender

Par: 100% + Spread: 50% · 2-yr

S&P 500 Low Volatility Daily Risk Control 5% USD Total Return Index

participation

7-yr surrender

Par: 210% + Spread: 0% · 1-yr

S&P MARC 5% Excess Return

Par: 165% + Spread: 0% · 1-yr

Morningstar Wide Moat Focus Barclays VC 7% Index ER

Par: 130% + Spread: 0% · 1-yr

S&P 500 Factor Rotator Daily RC2 7% Index (USD) ER

Par: 100% + Spread: 1.5% · 1-yr

S&P 500 Low Volatility Daily Risk Control 5% USD Total Return Index

Par: 100% + Fixed: 7.65% · 1-yr

S&P 500 Index

Cap: 9.75% · 1-yr

S&P 500 Index

Cap: 9.75% · 1-yr

MSCI EAFE Index

Cap: 9.75% · 1-yr

Russell 2000 Index

Cap: 9.75% · 1-yr

Nasdaq-100 Index

Cap: 9.65% · 1-yr

S&P 500 Index

Fixed: 4.75% · 1-yr

Fixed Account

Par: 275% + Spread: 0% · 2-yr

S&P MARC 5% Excess Return

Par: 220% + Spread: 0% · 2-yr

Morningstar Wide Moat Focus Barclays VC 7% Index ER

Par: 190% + Spread: 0% · 2-yr

S&P 500 Factor Rotator Daily RC2 7% Index (USD) ER

Par: 100% + Spread: 50% · 2-yr

S&P 500 Low Volatility Daily Risk Control 5% USD Total Return Index

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

100%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Death Benefit

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

Strategy guarantee

Minimum guaranteed cap: 0.50%

Strategy guarantee

Minimum guaranteed declared rate: 7.40%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 2.45%

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%

Yr 6

4%

Yr 7

3%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

advisor sheet

Foundations Annuity-2.pdf

Confidence: highReviewed Apr 8, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA-
S&PA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Foundations Annuity currently shows 16 distinct indexed or fixed crediting choices across 31 current rate listings, including S&P 500 Index, with 6 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: 9.65% cap
  • S&P 500 Index: 3.5% cap
  • S&P 500 Index: 9.75% 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
  • 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 Foundations Annuity-2.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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