Axonic (AXI)
A modern annuity platform - Axonic Insurance (AXI) designs, distributes, administers, and services a focused lineup of fixed indexed and multi-year guaranteed annuities issued by AmFirst Insurance Company, an Oklahoma-domiciled insurer carrying an A- (Excellent) Financial Strength Rating from AM Best.
Financial strength
A-
AM Best
AM Best A- (Excellent)
The issuing insurer, AmFirst Insurance Company, carries an A- (Excellent) Financial Strength Rating from AM Best - the fourth-highest of thirteen categories. The rating belongs to AmFirst, not to the Axonic platform.
Issued by AmFirst
U.S. contracts are issued by AmFirst Insurance Company (Oklahoma-domiciled, NAIC 6025; AmFirst Life Insurance Company in California). Axonic designs and services; AmFirst stands behind the guarantees.
Powered by Axonic
Axonic Insurance Services LLC is the producer, distributor, administrator, and business-process outsourcer - a wholly owned subsidiary of asset manager Axonic Capital (roughly $7B AUM at the parent/group level per Axonic Capital materials).
Trailhead FIA line
The fixed indexed lineup is the Trailhead family - base, Plus, and Plus with Enhanced Premium Bonus - built around an S&P 500 point-to-point cap plus participation strategies on additional indexes.
Waypoint & Incline MYGAs
Two declared-rate multi-year guaranteed annuities - Waypoint and Incline - kept as separate products with their own rate sheets and surrender terms.
Run live numbers on Axonic (AXI) products
Choose a product type, then select a current product. The analyzer shows available values for your premium, age, state, and timing, and leaves out details that are not published for that selection.
Growth FIAs
Selected product: Highline FIA
An accumulation-focused fixed indexed annuity group with index-linked crediting and, for some versions, premium-bonus designs.
Other current products
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Explore Axonic (AXI) products
Known Axonic (AXI) product pages, grouped by what each product group is built to do. Confirm current rates and availability in the analyzer or on the product page.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with product pages for checking caps, participation rates, and fixed-account options.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages are the place to check rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before checking a product page for current strategy details.
Highline FIA
A multi-term Axonic accumulation FIA with a strong plain-index annual cap and a wide set of alternative crediting strategies.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Highline FIA Plus
A multi-term Highline bonus FIA that trades some underlying crediting power for a vesting issue credit.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Highline FIA Plus With Enhanced Premium Bonus
The enhanced-bonus Highline accumulation filing, combining a fee-bearing vesting credit with a multi-term strategy menu.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
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.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
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.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Trailhead FIA Plus With Enhanced Premium Bonus
An accumulation-focused, A- rated fixed indexed annuity from Axonic Insurance Services that pairs a day-one premium bonus (delivered through a named rider with a published rider fee and multi-year vesting) with a crediting menu built around an S&P 500 annual point-to-point cap plus participation-rate strategies on the S&P 500 Dynamic Intraday TCA, DB Foresight X-Asset 10, NASDAQ-100 Volatility Control 7%, and Nasdaq-100 Bitcoin Trends 15% indexes, with no lifetime-income rider attached.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
This directory is not a statement of current availability. Confirm current rates, state availability, premium bands, and rider terms in the analyzer or on each product page.
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Find your fit
Start with the job for the money, then open the live Axonic/AmFirst product page that matches that goal.
Company overview
What Axonic (AXI) is
Axonic Insurance (AXI) is an annuity platform that designs, distributes, administers, and services U.S. retirement products. The contracts themselves are issued by AmFirst Insurance Company - AmFirst, not Axonic, is the legal insurer responsible for the guarantees.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
AmFirst is an Oklahoma-domiciled insurer (NAIC 6025) founded in 1998, with a supplemental-insurance heritage; it operates as AmFirst Life Insurance Company in California. It carries an A- (Excellent) Financial Strength Rating from AM Best.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026; AM Best
Among Axonic (AXI)'s annuity families are Trailhead Fixed Indexed Annuities, Waypoint MYGA, and Incline MYGA.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Scale, labeled
Issuer
AmFirst
AmFirst Insurance Company - Oklahoma-domiciled, NAIC 6025; AmFirst Life Insurance Company in California.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
Founded
1998
AmFirst founded 1998; the Axonic platform launched U.S. operations in 2024.
Founded 1998 · AnnuityRatesHQ carrier research, June 2026
Platform
Axonic Capital
Axonic Insurance Services is a wholly owned subsidiary of asset manager Axonic Capital (parent/group AUM approximately $7B per Axonic Capital materials).
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
AM Best
A- (Excellent)
A- Financial Strength Rating for the issuer, AmFirst Insurance Company (Long-Term Issuer Credit Rating a-).
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026; AM Best
History highlights
AmFirst Insurance Company was created in 1998 with a supplemental-insurance focus, later adding dental, vision, and medical-gap lines.
Founded 1998 · AnnuityRatesHQ carrier research, June 2026
AM Best upgraded AmFirst to A- in 2015; the company continued to operate as an established but mid-sized insurer.
A- since 2015 · AnnuityRatesHQ carrier research, June 2026; AM Best
The Axonic Insurance initiative was founded in 2023 and launched U.S. operations in 2024 with initial MYGAs; Trailhead FIA and additional families followed in 2025-2026, alongside a $210M parent/group-level preferred-equity raise announced in October 2025.
Launched 2024 · AnnuityRatesHQ carrier research, June 2026
One insurer, one platform - kept distinct
The story is not that AmFirst became Axonic. Rather, an established insurer (AmFirst, founded 1998) and a newly built annuity platform (Axonic Insurance, launched in the U.S. in 2024) formed a manufacturing and servicing relationship. AXI describes AmFirst as a non-affiliated carrier.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
Axonic Insurance Services LLC handles product design, distribution, administration, and servicing; parent materials describe it as a wholly owned subsidiary of Axonic Capital, a New York alternative-asset manager (founded 2010) with structured-credit and real-estate-debt expertise. That institutional capability is parent/group context - it is not AmFirst statutory capital.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
Policyholder guarantees remain the obligation of AmFirst as the legal issuing carrier. Group capital raises, asset-management scale, and reinsurance relationships can support product manufacturing, but they do not transfer the contractual claim away from AmFirst.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
Financial strength
AM Best
A-
Excellent financial-strength rating for the issuer, AmFirst Insurance Company (Long-Term Issuer Credit Rating a-; stable in reviewed sources) - the fourth-highest of thirteen AM Best categories. It applies to AmFirst's claims-paying ability, not to Axonic or to any annuity, index, bonus, cap, or participation rate.
Checked 2026-07-16
What makes Axonic (AXI) different
Issuer-first by design
Consumers buy Axonic-branded products, but AmFirst Insurance Company issues the U.S. contracts and stands behind the guarantees. Evaluate AmFirst's A- claims-paying strength separately from AXI's product innovation.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
A focused accumulation platform
The shelf is concentrated in guaranteed accumulation (Waypoint and Incline MYGAs) and indexed accumulation (the Trailhead FIA family), rather than a broad lifetime-income lineup - a focused comparison, not an all-purpose carrier.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
Modern index and bonus mechanics
Trailhead FIAs pair an S&P 500 point-to-point cap with participation strategies on additional indexes, select guaranteed participation rates for the initial surrender period, an Interest Boost feature, and premium-bonus variants with vesting - features that reward reading the product details.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Institutional platform backing
Axonic Insurance Services sits under asset manager Axonic Capital, bringing structured-credit and index-design capability plus a 2025 parent/group-level capital raise. This backing supports manufacturing and servicing; it is not a substitute for AmFirst's statutory insurer capital.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
About Axonic Insurance & AmFirst
Axonic Insurance (AXI) is an annuity platform that designs, distributes, administers, and services U.S. retirement products through Axonic Insurance Services LLC. The contracts are issued by AmFirst Insurance Company - an Oklahoma-domiciled insurer (NAIC 6025) founded in 1998 that operates as AmFirst Life Insurance Company in California.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
AmFirst carries an A- (Excellent) Financial Strength Rating from AM Best. The platform, powered by asset manager Axonic Capital, concentrates on protected accumulation: the Trailhead fixed indexed annuities and the Waypoint and Incline MYGAs. AmFirst - not Axonic - is the insurer behind the guarantees.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026; AM Best
The Axonic lineup combines Trailhead fixed indexed annuities with the Waypoint and Incline fixed-rate families.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Free Comparison Report
Get Axonic (AXI)'s current rate report
Compare Axonic (AXI)'s live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- Axonic Insurance Services carrier site — 2026-07-16
- AnnuityRatesHQ carrier research - Axonic/AmFirst overview: issuer AmFirst Insurance Company (Oklahoma, NAIC 6025; California trade name AmFirst Life), Axonic platform powered by Axonic Capital, AM Best A- (Excellent) — Checked 2026-07-16
- Live product catalog (Trailhead FIA / Trailhead FIA Plus / Plus with Enhanced Premium Bonus; Waypoint MYGA; Incline MYGA), rates, caps, participation rates, bonuses, riders: CANNEX Financial Exchanges via AdvisorWorld — Verified July 2026