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Fixed Indexed Annuity

Max Growth Bonus

American Life

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7.25%

Best S&P 500 Annual Cap

5%

Free W/D

27

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 Max Growth Bonus 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
$303,755
Est. value at age 80 (Max Growth Bonus)
8%
Premium bonus offered
S&P 500 Index — 7.25% 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 Max Growth Bonus's published cap rate (7.25% 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. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $8,000 premium bonus (8%) = $108,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of July 16, 2026.

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See how Max Growth Bonus compares for your age, state, premium, and income goals alongside other American Life fixed indexed annuity options.

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Live rate data

Run live numbers for Max Growth Bonus

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

Live product data

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

S&P 500 cap rate

7.25% cap on S&P 500

An accumulation-focused fixed indexed annuity with an unusually short four-year surrender, a premium bonus on a long vesting schedule, and a recognizable S&P 500 cap alongside proprietary participation strategies, from a B++ A.M. Best-rated carrier.

1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who want a recognizable S&P 500 cap inside a short-surrender FIA, value an up-front premium bonus as long-term balance leverage rather than near-term liquidity, and are comfortable with a B++ A.M. Best carrier in exchange for a shorter lockup than most bonus FIAs offer.

AM Best

B++ Good

Surrender period

10 years

Free withdrawal

5%/yr

Availability

27 jurisdictions (restricted footprint)

Featured crediting strategies

Featured strategies use the selected state's rates. The full listing below labels other CANNEX state-rate variants separately.

Index / strategyRate mechanics

S&P 500

S&P 500 Index

7.25% cap rate + 0% spread

Annual cap

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

4% trigger rate

Performance trigger

1-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3.7% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

+ 2 additional crediting options (S&P 500, Schroders Global)

Product analyst notes

How to think about this contract

Why it can stand out

  • Four-year surrender schedule is unusually short for a bonus FIA — most premium-bonus contracts on this site run seven to ten years to amortize the bonus cost, so a four-year lockup gives a buyer materially earlier full liquidity than the bonus-FIA norm.
  • A published premium bonus is credited up front to the account value, giving day-one balance leverage on every dollar of premium before any index credit is applied — read the bonus rate directly on this page rather than from a sales brochure.
  • Crediting menu includes a recognizable S&P 500 annual point-to-point cap, so this contract offers at least one like-for-like comparison point against other FIAs on this site rather than only proprietary participation strategies.
  • Three S&P 500 crediting cadences are offered on the same contract — an annual point-to-point cap, a performance-trigger declared rate, and a full-participation strategy — so a buyer who wants S&P exposure has three distinct ways to take it inside one allocation.
  • Free-withdrawal allowance, the full surrender ladder, the market-value-adjustment flag, and the nursing-home waiver are visible directly on this page rather than gated behind a sales brochure.

What to confirm

  • The premium bonus is on a long vesting schedule that extends well past the surrender period. The published vesting table only credits a fraction of the bonus during the four-year surrender window and does not fully vest until year ten — read the vesting schedule on this page before treating the bonus as day-one money you can walk away with.
  • Bonus FIAs typically pay for the bonus through a lower base cap, a higher spread, or a lower participation rate than the same carrier's non-bonus product. Compare the S&P 500 cap and participation rates on this contract against a non-bonus FIA before assuming the bonus is free money.
  • Surrender charges apply on amounts above the free-withdrawal allowance for the first four contract years and a market-value adjustment also applies. The MVA can magnify a surrender loss in a rising-rate environment — confirm with the carrier how the MVA is computed before any planned partial surrender.
  • American Life & Security is rated B++ by A.M. Best, which is below the A- threshold many buyers and advisors use as a minimum. The carrier-strength view on this page is from a recognized agency, but a B++ carrier is a different risk tier than an A-rated one and should be evaluated explicitly.
  • The standard death benefit on this contract pays cash surrender value, not account value or a rolled-up income base — heirs receive what a buyer would receive on a non-penalty surrender, which can be materially lower than an account-value-based death benefit on a competing contract.
  • There is no income rider on this contract in the current data, so this is not the product to compare against guaranteed-lifetime-withdrawal FIAs — its job is accumulation plus an up-front bonus, not contractually guaranteed lifetime income.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, expect a premium bonus to be fully their money on day one, require an A-rated or higher carrier as a minimum, want an account-value-based death benefit, or read 'Max Growth Bonus' as a promise of income — none of those are what this contract is built to deliver.

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See how Max Growth Bonus compares for your age, state, premium, and income goals alongside other American Life fixed indexed annuity options.

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All crediting strategies

View rate listings (15 strategies)

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

Par: 70% + Spread: 0% · 1-yr

Schroders Global Compass Index

participation

10-yr surrenderDoes not vary by premium

Par: 65% + Spread: 0% · 1-yr

S&P 500 Market Agility 10 TCA 0.5% Decrement Index (USD) ER

participation

10-yr surrenderDoes not vary by premium

Cap: 7.25% + Spread: 0% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Trigger: 4% · 1-yr

S&P 500 Index

trigger

10-yr surrenderDoes not vary by premium

Fixed: 3.7% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Par: 100% + Spread: 0% · 1-yr

Schroders Global Compass Index

Point-to-point

Other state rate set 1969Does not vary by premium

Par: 80% + Spread: 0% · 1-yr

S&P 500 Market Agility 10 TCA 0.5% Decrement Index (USD) ER

Point-to-point

Other state rate set 1969Does not vary by premium

Cap: 8.5% + Spread: 0% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 1969Does not vary by premium

Trigger: 4.75% · 1-yr

S&P 500 Index

Performance trigger

Other state rate set 1969Does not vary by premium

Fixed: 4% · 1-yr

Fixed Account

Fixed account

Other state rate set 1969Does not vary by premium

Par: 95% + Spread: 0% · 1-yr

Schroders Global Compass Index

Point-to-point

Other state rate set 2162Does not vary by premium

Par: 75% + Spread: 0% · 1-yr

S&P 500 Market Agility 10 TCA 0.5% Decrement Index (USD) ER

Point-to-point

Other state rate set 2162Does not vary by premium

Cap: 8% + Spread: 0% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 2162Does not vary by premium

Trigger: 4.5% · 1-yr

S&P 500 Index

Performance trigger

Other state rate set 2162Does not vary by premium

Fixed: 3.9% · 1-yr

Fixed Account

Fixed account

Other state rate set 2162Does 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 Max Growth Bonus

● Can I lose money in Max Growth Bonus?

A negative index return by itself does not reduce the contract's account value: Max Growth Bonus 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 5% 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 5% of your account value each year is penalty-free. The scheduled surrender charges run 10 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 Max Growth Bonus's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Max Growth Bonus 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

5%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

1

Nursing home waiver

Premium bonus

8%

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

Death benefit

Standard 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

0.50%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Maximum spread

0.00%

Maximum spread: 0.00%

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

9.3%

Yr 2

8.4%

Yr 3

7.5%

Yr 4

6.6%

Yr 5

57%

Yr 6

4.8%

Yr 7

3.85%

Yr 8

2.9%

Yr 9

1.9%

Yr 10

0.9%

After

0%

Nursing home 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 BestB++

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Max Growth Bonus currently shows 13 distinct indexed or fixed crediting choices across 15 displayed rate entries, including S&P 500 Index, with 6 volatility-controlled index options grouped separately. 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: 7.25% annual cap
  • S&P 500 Index: 8.5% annual point-to-point cap
  • S&P 500 Index: 8% annual point-to-point cap
  • S&P 500 Index: 100% annual participation rate

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.

  • 5%/yr free withdrawal
  • 10 surrender years
  • Nursing home 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

Free Comparison Report

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See how Max Growth Bonus compares for your age, state, premium, and income goals alongside other American Life fixed indexed annuity options.

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