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American Spirit — American Century Life Insurance
American Century Life Insurance
Best available rate
5.95%
10-yr guarantee · 10-yr surrender schedule · $5,000+ premium
Highest current rate across the available 3-year, 5-year, 7-year, and 10-year guarantee terms.
View all rates and terms ↓10%
Free W/D
45
Available jurisdictions
Rates as of November 13, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for American Spirit
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this American Century Life Insurance product.
Free withdrawal
10%/yr
Availability
45 jurisdictions (restricted footprint)
Minimum premium
$5,000
Available guarantee terms
3, 5, 7, and 10 years
Available surrender terms
3, 5, 7, and 10 years
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See how American Spirit compares for your age, state, premium, and income goals alongside other American Century Life Insurance MYGA options.
Guaranteed Rates by Term
CANNEX identifies each state, MVA, and liquidity-rider version below. Compound-equivalent annual rates are the primary comparison measure; the carrier's quoted simple-interest rate remains visible beneath each value.
| Contract version | Term | Surrender term | Rate effective | Published rate |
|---|---|---|---|---|
| Most states · MVA · Free Partial Withdrawal Rider | 3-Year | 3-Year schedule | Jun 11, 2026 | 5.55%Compound annual rate |
| Most states · MVA · Free Partial Withdrawal Rider | 5-Year | 5-Year schedule | Jun 11, 2026 | 5.8%Compound annual rate |
| Most states · MVA · Free Partial Withdrawal Rider | 7-Year | 7-Year schedule | Jun 11, 2026 | 5.8%Compound annual rate |
| Most states · MVA · Free Partial Withdrawal Rider | 10-Year | 10-Year schedule | Jun 11, 2026 | 5.85%Compound annual rate |
| Most states · MVA · Liquidity rider unknown | 5-Year | 5-Year schedule | Jun 11, 2026 | 5.9%Compound annual rate |
| Most states · MVA · Liquidity rider unknown | 7-Year | 7-Year schedule | Jun 11, 2026 | 5.9%Compound annual rate |
| Most states · MVA · Liquidity rider unknown | 10-Year | 10-Year schedule | Jun 11, 2026 | 5.95%Compound annual rate |
| Most states · MVA · No liquidity rider | 3-Year | 3-Year schedule | Jun 11, 2026 | 5.5%Compound annual rate |
| Most states · MVA · No liquidity rider | 5-Year | 5-Year schedule | Jun 11, 2026 | 5.75%Compound annual rate |
| Most states · MVA · No liquidity rider | 7-Year | 7-Year schedule | Jun 11, 2026 | 5.75%Compound annual rate |
| Most states · MVA · No liquidity rider | 10-Year | 10-Year schedule | Jun 11, 2026 | 5.8%Compound annual rate |
| Most states · MVA · Withdrawal Charges Waiver Rider | 5-Year | 5-Year schedule | Jun 11, 2026 | 5.85%Compound annual rate |
| Most states · MVA · Withdrawal Charges Waiver Rider | 7-Year | 7-Year schedule | Jun 11, 2026 | 5.85%Compound annual rate |
| Most states · MVA · Withdrawal Charges Waiver Rider | 10-Year | 10-Year schedule | Jun 11, 2026 | 5.9%Compound annual rate |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
10-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
Yr 8
2%
Yr 9
1%
Yr 10
0.5%
After
0%
Carrier Ratings
Free Comparison Report
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See how American Spirit compares for your age, state, premium, and income goals alongside other American Century Life Insurance MYGA options.
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