A.M. Best A+ rated · 6 products
American Life Annuities — A+ Rated
American Life is an A.M. Best A+-rated annuity carrier. The current lineup includes 6 fixed indexed annuity products. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.
Current rating
A+
A.M. Best
Annuity products
6
6 FIA products
Reviewed
June 9, 2026
Product lineup reviewed against current rates.
Lineup Snapshot
Available annuity families and product-type context.
- Product pages
- 6 FIA product pages
- Product families
- American Select, Max Growth
- Product types
- Fixed indexed annuities
- Variant handling
- Bonus and surrender-term variants are separate pages, not state-specific siblings
Financial Strength
Financial-strength ratings reflect an insurer's claims-paying ability, not the performance of any annuity contract.
Rating value stored in the carrier profile.
Product Highlights
Current Annuity Highlights
Loading current rates, rider rows, index choices, and contract terms.
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Carrier Profile
About American Life
American Life & Security Corp. is a Nebraska-based life insurance and annuity provider specializing in innovative retirement and wealth protection solutions. The company offers a range of products, including fixed deferred annuities, fixed indexed annuities, and multi-year guaranteed annuities designed to provide security, growth, and stability for policyholders.
Financial Strength In Plain English
American Life & Security Corp. holds a B++ rating from A.M. Best, reflecting solid financial strength and stability. This rating, though not at the top tier, indicates that the company possesses sufficient resources to meet its obligations reliably. Their strategic adoption of cloud-based infrastructure and acquisition by Antarctica Capital in 2023 positions them for scalable growth and operational efficiency.
ARHQ Notes
From Our Coverage
First-party review context and product-page notes, kept separate from current rate tables.
Product Highlights
Short notes from product pages.
American Select
An accumulation-focused fixed indexed annuity from a smaller B++ carrier offering a recognizable S&P 500 annual point-to-point cap plus a broad menu of proprietary participation-rate strategies, sold in two surrender-length variants and available in thirty states.
Open product pageAmerican Select Bonus
A seven-year, B++-rated bonus FIA that credits an up-front premium bonus subject to a seven-year vesting recapture, with a crediting menu that pairs a recognizable S&P 500 annual point-to-point cap against a broad lineup of proprietary participation-rate indexes.
Open product pageAmerican Select Bonus Plus 7
A seven-year-surrender accumulation FIA from a B++-rated carrier built around an upfront premium bonus vested over the same seven years, no income rider, and a deep crediting menu pairing recognizable S&P 500 cap and participation options with proprietary volatility-controlled indexes from Goldman Sachs, S&P MARC, Nasdaq, and Janus SG.
Open product pageFeatures
Features
Index options, riders, and term choices pulled into one quick scan.
FIA Lineup
American Select
Base, Bonus, Bonus Plus 7, Bonus Plus 10
The family gives readers one comparison set, but each variant keeps its own product page and rate row.
Max Growth
Base and Bonus
Use the product pages to compare bonus economics against the plain accumulation version.
Live Coverage
Product Coverage
Each annuity product page links to current rates, terms, and product details.
A0032Z
American Select
- Coverage
- ARHQ product page
- Current rate
- Available
A00336
American Select Bonus
- Coverage
- ARHQ product page
- Current rate
- Available
A00338
American Select Bonus Plus 7
- Coverage
- ARHQ product page
- Current rate
- Available
A0033E
American Select Bonus Plus 10
- Coverage
- ARHQ product page
- Current rate
- Available
A0033A
Max Growth
- Coverage
- ARHQ product page
- Current rate
- Available
A0033C
Max Growth Bonus
- Coverage
- ARHQ product page
- Current rate
- Available
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Important Notes
Items that may differ from older reviews, cached pages, or carrier materials.
Several carriers start with American, so this page leans on exact product names and product IDs to avoid mixing product lists.
The American Select variants share a family, but they are not treated as state-specific duplicates.
No American Life MYGA page is currently attached to this carrier profile.
Source Links
Carrier and ARHQ product pages used for this profile.
Browse
American Life Product Families
Product-list pages carry the full tables, filters, and detail links.
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