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Fixed Indexed Annuity

Top Ridge Bonus Annuity

Security Benefit Life

6%

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

6% cap on S&P 500

A ten-year-surrender fixed indexed annuity from an A- rated carrier built around the largest up-front premium bonus in the carrier's current FIA lineup, with annual point-to-point caps on recognizable benchmarks plus a compact set of proprietary participation strategies, single-or-joint annuitization, and no income rider.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers committed to a full ten-year deferral who prioritize the biggest possible up-front premium bonus, are comfortable accepting lower current caps and participation rates as the trade-off, want single-or-joint annuitization optionality, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A- Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

6% cap rate

S&P 500

S&P 500 Index

38% participation rate

Nasdaq-100

Nasdaq-100 Index

6.25% cap rate

Fixed Account

Fixed Account

3.25% declared rate

+ 10 volatility-controlled index options (MSCI EAFE, Russell 2000, S&P 500...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Largest up-front premium bonus in Security Benefit's current FIA lineup — the headline bonus on this filing is materially bigger than the Strategic Growth Plus sibling, and that bonus is what the product is built around.
  • Annuitization options include both single and joint life, so couples can structure the contract for two-life payout from the outset rather than restructuring later.
  • Compact, recognizable cap menu (S&P 500, Nasdaq-100, MSCI EAFE, Russell 2000) is paired with a small set of proprietary participation strategies — buyers who prefer a clean cap-on-benchmark allocation don't have to wade through a deep proprietary index list to find the standard option.
  • Free-withdrawal allowance and the full ten-year surrender ladder are visible on this page, so the schedule of penalty-free liquidity is not gated behind a sales brochure.

What to confirm

  • Large-bonus FIAs typically recover the carrier's bonus economics through materially lower caps and participation rates than no-bonus siblings on the same chassis — the headline cap on this filing is noticeably lower than the carrier's no-bonus Strategic Growth Annuity. Compare net projected outcomes over the full ten-year term against both the smaller-bonus Strategic Growth Plus and the no-bonus Strategic Growth Annuity before choosing the largest bonus.
  • This contract is not a guaranteed-lifetime-income product. The live feed shows an empty income-rider list — only standard surrender-charge waivers (nursing home, terminal illness) are present. Do not compare its payout side-by-side with a rider-led income FIA.
  • Ten years is at the long end of the FIA market. The buyer is committing to the carrier's renewal-rate discretion for the full term, and the guaranteed-minimum cap floor on this filing is well below current declared caps — caps can reset down toward that contractual floor over the term, and the buyer carries that renewal risk for the full ten years.
  • The proprietary participation indexes on this filing (S&P 500 Dynamic Intraday TCA, Morgan Stanley Global Equity Allocator, MSCI BofA US Dualcast, SG AI Navigator) are volatility-controlled benchmarks. Participation rates on these strategies are not directly comparable to an uncontrolled S&P 500 cap — evaluate each strategy on its own merits.

Not ideal for

Buyers who need a contractually guaranteed GLWB withdrawal rate or a built-in Protected Income Value income mechanism, want a shorter surrender commitment (consider Strategic Growth 7), want the highest non-bonus caps in the family (consider Strategic Growth Annuity), or want a more moderate bonus paired with a higher current cap (consider Strategic Growth Plus).

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: 38% · 1-yr

S&P 500 Index

participation

10-yr surrender

Cap: 6.75% · 1-yr

MSCI EAFE Index

cap

10-yr surrender

Cap: 6.75% · 1-yr

Russell 2000 Index

cap

10-yr surrender

Cap: 6.25% · 1-yr

Nasdaq-100 Index

cap

10-yr surrender

Cap: 6% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 3.25% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 105% + Spread: 0% · 1-yr

Morgan Stanley Global Equity Allocator Index

participation

10-yr surrender

Par: 90% + Spread: 0% · 1-yr

MSCI BofA US Dualcast Index

participation

10-yr surrender

Par: 80% + Spread: 0% · 1-yr

SG AI Navigator Index (USD - Excess Return)

participation

10-yr surrender

Par: 50% + Spread: 0% · 1-yr

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

participation

10-yr surrender

Par: 150% + Spread: 0% · 2-yr

Morgan Stanley Global Equity Allocator Index

participation

10-yr surrender

Par: 125% + Spread: 0% · 2-yr

MSCI BofA US Dualcast Index

participation

10-yr surrender

Par: 120% + Spread: 0% · 2-yr

SG AI Navigator Index (USD - Excess Return)

participation

10-yr surrender

Par: 75% + Spread: 0% · 2-yr

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

participation

10-yr surrender

Par: 38% · 1-yr

S&P 500 Index

Cap: 6.75% · 1-yr

MSCI EAFE Index

Cap: 6.75% · 1-yr

Russell 2000 Index

Cap: 6.25% · 1-yr

Nasdaq-100 Index

Cap: 6% · 1-yr

S&P 500 Index

Fixed: 3.25% · 1-yr

Fixed Account

Par: 105% + Spread: 0% · 1-yr

Morgan Stanley Global Equity Allocator Index

Par: 90% + Spread: 0% · 1-yr

MSCI BofA US Dualcast Index

Par: 80% + Spread: 0% · 1-yr

SG AI Navigator Index (USD - Excess Return)

Par: 50% + Spread: 0% · 1-yr

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

Par: 150% + Spread: 0% · 2-yr

Morgan Stanley Global Equity Allocator Index

Par: 125% + Spread: 0% · 2-yr

MSCI BofA US Dualcast Index

Par: 120% + Spread: 0% · 2-yr

SG AI Navigator Index (USD - Excess Return)

Par: 75% + Spread: 0% · 2-yr

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

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

20%

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

Guaranteed minimum interest rate (fixed): 2.00%

Strategy guarantee

Minimum guaranteed participation: 5.00%

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

8.1%

Yr 3

7.2%

Yr 4

6.3%

Yr 5

5.4%

Yr 6

4.5%

Yr 7

3.6%

Yr 8

2.7%

Yr 9

1.8%

Yr 10

0.9%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

IM5000534-V20260108.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

Top Ridge Bonus Annuity 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 8 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% cap
  • S&P 500 Index: 38% participation
  • S&P 500 Dynamic Intraday TCA Index (USD) ER: 50% 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 IM5000534-V20260108.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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