A.M. Best A- rated · 5 products

Axonic Insurance Services (AIS) Annuities — A- Rated

Axonic Insurance Services (AIS) is an A.M. Best A--rated annuity carrier. The current lineup includes 5 fixed indexed and multi-year guaranteed annuity products. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.

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Current rating

A-

A.M. Best

Annuity products

5 products across FIA and MYGA families

Reviewed

June 9, 2026

Product lineup reviewed against current rates.

Lineup Snapshot

Available annuity families and product-type context.

Product pages: 3 FIA product pages, 2 MYGA product pages
FIA families: Trailhead FIA
MYGA families: Waypoint, Incline

Financial Strength

A.M. Best A-

Financial-strength ratings reflect an insurer's claims-paying ability, not the performance of any annuity contract.

Product Highlights

Current Annuity Highlights

Loading current rates, rider rows, index choices, and contract terms.

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Carrier Profile

About Axonic Insurance Services (AIS)

Overview: Axonic Insurance products are issued by AmFirst Insurance Company and powered by Axonic Insurance. The current annuity set is compact: Trailhead fixed indexed annuity variants for indexed accumulation, plus Waypoint and Incline MYGAs for declared-rate guarantees. That makes Axonic a focused carrier comparison rather than a broad all-purpose annuity lineup.

Product lineup: The FIA lineup is the Trailhead family: Trailhead FIA, Trailhead FIA Plus, and Trailhead FIA Plus with Enhanced Premium Bonus. The Plus versions should be compared against the base product because the premium-bonus story comes with different crediting and surrender tradeoffs. The MYGA side centers on Waypoint MYGA and Incline MYGA, both fixed-rate contracts rather than indexed products.

Notable live products: Current rate data shows Incline Advisory MYGA at 5.75%, Waypoint MYGA at 5.70%, and Incline MYGA at 5.55%. Those are guaranteed-rate MYGA signals, not FIA caps. For the Trailhead FIAs, contract-level details matter because the decision depends on S&P 500 cap structure, participation strategies, premium-bonus mechanics, and the surrender schedule.

Who it may fit: Axonic may fit buyers who want an A- rated issuing carrier with a concentrated menu: simple fixed-rate choices on one side and premium-bonus indexed accumulation on the other. It is less ideal for buyers who want a long operating history under the same annuity brand, many independent rating-agency views, or a broad income-rider lineup.

Financial Strength In Plain English

The live rating data shows A.M. Best A- on Axonic/AmFirst product rows. Axonic states that its annuity products are issued by AmFirst Insurance Company, and public AmFirst/Axonic materials point to an A- AM Best strength profile. In plain English, A- is a solid claims-paying tier, but it is not the top AM Best bracket. Buyers should treat Axonic as a product designer/distribution brand and evaluate AmFirst as the issuing insurer behind the guarantees.

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.

FIAAccumulationA002MH

Trailhead FIA

An accumulation-focused, ten-year fixed indexed annuity from A.M. Best A- rated Axonic Insurance Services, built around a no-fee S&P 500 annual point-to-point cap plus a wide menu of participation-rate strategies on the S&P 500 and four additional indexes, with no lifetime-income rider in the design.

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MYGASafetyA002G5

Waypoint MYGA

A multi-year guaranteed annuity from an A- rated carrier offering 3-, 5-, 7-, and 10-year guarantee periods with premium-banded rates, a 10-year year-by-year-declining surrender ladder, an MVA, a 10% annual free-withdrawal allowance, and standard nursing-home and terminal-illness waivers — filed in 44 of 51 jurisdictions, with a $100,000 minimum premium for the headline-tier rate.

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FIAAccumulationA0035M

Trailhead FIA Plus

A premium-bonus accumulation fixed indexed annuity from A- rated Axonic Insurance Services, built around an S&P 500 Index annual point-to-point cap plus participation alternatives on proprietary volatility-controlled and thematic indexes, with a day-one premium bonus vested on a multi-year cliff and no lifetime-income rider in the design.

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Features

Index options, riders, and term choices pulled into one quick scan.