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 Highline FIA PLUS would do for you
Set your numbers and switch between growth strategies and liquidity scenarios. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.
Product analyzer
Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$292,202
Est. value at age 80 (Highline FIA PLUS)
16%
Premium bonus offered
S&P 500 Index — 6% 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 Highline FIA PLUS's published cap rate (6% 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 + $16,000 premium bonus (16%) = $116,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.
Free Comparison Report
Get a Highline FIA PLUS rate report
See how Highline FIA PLUS compares for your age, state, premium, and income goals alongside other Axonic Insurance Services Ais fixed indexed annuity options.
The PLUS filing pairs a vesting premium bonus with several surrender-term choices in one contract family.
Its crediting menu includes a recognizable annual S&P 500 cap alongside annual and multi-year participation alternatives.
What to confirm
The bonus vests over time and the underlying caps are lower than the no-bonus Highline filing, so buyers should compare both sides of the trade.
Market value adjustment exposure applies during the surrender period, and specialty-index percentages are not plain-index equivalents.
Not ideal for
Buyers who prioritize the highest available underlying cap, need lifetime income, or may exit before bonus vesting.
Free Comparison Report
Get a Highline FIA PLUS rate report
See how Highline FIA PLUS compares for your age, state, premium, and income goals alongside other Axonic Insurance Services Ais fixed indexed annuity options.
These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, or rate type.
Par: 55% · 1-yr
NASDAQ-100 Volatility Control 7% Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective May 4, 20265-yr surrender$100,000+
Par: 55% · 1-yr
NASDAQ-100 Volatility Control 7% Index
Point-to-point
Requested state: TX5-yr surrender$100,000+
Par: 50% · 1-yr
DB Foresight X-Asset 10 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective May 4, 20265-yr surrender$100,000+
Par: 50% · 1-yr
DB Foresight X-Asset 10 Index
Point-to-point
Requested state: TX5-yr surrender$100,000+
Par: 45% · 1-yr
Nasdaq-100 Bitcoin Trends 15% Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective May 4, 20265-yr surrender$100,000+
Par: 45% · 1-yr
Nasdaq-100 Bitcoin Trends 15% Index
Point-to-point
Requested state: TX5-yr surrender$100,000+
Par: 35% · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective May 4, 20265-yr surrender$100,000+
Par: 35% · 1-yr
S&P 500 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective May 4, 20265-yr surrender$100,000+
Par: 35% · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
Point-to-point
Requested state: TX5-yr surrender$100,000+
Par: 35% · 1-yr
S&P 500 Index
Point-to-point
Requested state: TX5-yr surrender$100,000+
Cap: 6% · 1-yr
S&P 500 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective May 4, 20265-yr surrender$100,000+
Cap: 6% · 1-yr
S&P 500 Index
Point-to-point
Requested state: TX5-yr surrender$100,000+
Fixed: 3.15% · 1-yr
Fixed Account
Fixed account · 0% annual strategy fee
Requested state: TXRate effective May 4, 20265-yr surrender$100,000+
Fixed: 3.15% · 1-yr
Fixed Account
Fixed account
Requested state: TX5-yr surrender$100,000+
Par: 75% · 2-yr
NASDAQ-100 Volatility Control 7% Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective May 4, 20265-yr surrender$100,000+
Par: 75% · 2-yr
NASDAQ-100 Volatility Control 7% Index
Point-to-point
Requested state: TX5-yr surrender$100,000+
Par: 70% · 2-yr
DB Foresight X-Asset 10 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective May 4, 20265-yr surrender$100,000+
Par: 70% · 2-yr
DB Foresight X-Asset 10 Index
Point-to-point
Requested state: TX5-yr surrender$100,000+
Par: 60% · 2-yr
Nasdaq-100 Bitcoin Trends 15% Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective May 4, 20265-yr surrender$100,000+
Par: 60% · 2-yr
Nasdaq-100 Bitcoin Trends 15% Index
Point-to-point
Requested state: TX5-yr surrender$100,000+
Par: 50% · 2-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective May 4, 20265-yr surrender$100,000+
Par: 50% · 2-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
Point-to-point
Requested state: TX5-yr surrender$100,000+
Par: 45% · 2-yr
S&P 500 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective May 4, 20265-yr surrender$100,000+
Par: 45% · 2-yr
S&P 500 Index
Point-to-point
Requested state: TX5-yr surrender$100,000+
Cap: 9.5% · 2-yr
S&P 500 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective May 4, 20265-yr surrender$100,000+
Cap: 9.5% · 2-yr
S&P 500 Index
Point-to-point
Requested state: TX5-yr surrender$100,000+
Fixed: 3.15% · 2-yr
Fixed Account
Fixed account · 0% annual strategy fee
Requested state: TXRate effective May 4, 20265-yr surrender$100,000+
Fixed: 3.15% · 2-yr
Fixed Account
Fixed account
Requested state: TX5-yr surrender$100,000+
Par: 60% · 1-yr
NASDAQ-100 Volatility Control 7% Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective May 4, 20267-yr surrender$100,000+
Par: 60% · 1-yr
NASDAQ-100 Volatility Control 7% Index
Point-to-point
Requested state: TX7-yr surrender$100,000+
Par: 85% · 2-yr
NASDAQ-100 Volatility Control 7% Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective May 4, 20267-yr surrender$100,000+
Par: 85% · 2-yr
NASDAQ-100 Volatility Control 7% Index
Point-to-point
Requested state: TX7-yr surrender$100,000+
Par: 80% · 2-yr
DB Foresight X-Asset 10 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective May 4, 20267-yr surrender$100,000+
Par: 80% · 2-yr
DB Foresight X-Asset 10 Index
Point-to-point
Requested state: TX7-yr surrender$100,000+
Par: 55% · 2-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective May 4, 20267-yr surrender$100,000+
Par: 55% · 2-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
Point-to-point
Requested state: TX7-yr surrender$100,000+
Par: 65% · 1-yr
NASDAQ-100 Volatility Control 7% Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective May 4, 202610-yr surrender$100,000+
Par: 65% · 1-yr
NASDAQ-100 Volatility Control 7% Index
Point-to-point
Requested state: TX10-yr surrender$100,000+
Par: 60% · 1-yr
DB Foresight X-Asset 10 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective May 4, 202610-yr surrender$100,000+
Par: 60% · 1-yr
DB Foresight X-Asset 10 Index
Point-to-point
Requested state: TX10-yr surrender$100,000+
Par: 40% · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective May 4, 202610-yr surrender$100,000+
Par: 40% · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
Point-to-point
Requested state: TX10-yr surrender$100,000+
Par: 95% · 2-yr
NASDAQ-100 Volatility Control 7% Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective May 4, 202610-yr surrender$100,000+
Par: 95% · 2-yr
NASDAQ-100 Volatility Control 7% Index
Point-to-point
Requested state: TX10-yr surrender$100,000+
Par: 90% · 2-yr
DB Foresight X-Asset 10 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective May 4, 202610-yr surrender$100,000+
Par: 90% · 2-yr
DB Foresight X-Asset 10 Index
Point-to-point
Requested state: TX10-yr surrender$100,000+
Par: 60% · 2-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective May 4, 202610-yr surrender$100,000+
Par: 60% · 2-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
Point-to-point
Requested state: TX10-yr surrender$100,000+
Accumulation profile
Accumulation-focused contract
The 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 Highline FIA PLUS
● Can I lose money in Highline FIA PLUS?
A negative index return by itself does not reduce the contract's account value: Highline FIA PLUS credits 0% — the floor — for that indexed period. The account value can still decrease from withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% 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 10% 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 Highline FIA PLUS's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another available Highline FIA PLUS 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
10%/yr
Annual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2
Nursing home waiver, Terminal illness waiver
Premium bonus
16%
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
1.00%
Minimum guaranteed cap for cap-based indexed strategies.
Fixed account guarantee
1.40%
Guaranteed minimum interest rate for the fixed account.
Participation-rate floor
10.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
Annuitization options
Joint life, Single life
Published payout options from the normalized contract facts.
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
5.7%
Yr 6
4.7%
Yr 7
3.8%
Yr 8
2.8%
Yr 9
1.9%
Yr 10
0.9%
After
0%
Nursing home waiver, Terminal illness waiver
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 BestA-
Contract notes from product data
Crediting design
How the interest-crediting choices are framed
Highline FIA PLUS currently shows 48 indexed or fixed crediting options, including S&P 500 Index, with 32 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.
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.
10%/yr free withdrawal
10 surrender years
Nursing home waiver
Terminal illness 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
Get a Highline FIA PLUS rate report
See how Highline FIA PLUS compares for your age, state, premium, and income goals alongside other Axonic Insurance Services Ais fixed indexed annuity options.
Cite this page for its methodology or interpretation. Current figures may refresh, so this canonical page URL is not a frozen data citation. To quote a market statistic, use the citation showing its observed as-of date and immutable JSON verification URL published by the Annuity Rate Statistics hub. Bulk product-level CANNEX records are not licensed for redistribution.