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 with Enhanced Premium Bonus 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
$309,835
Gross crediting illustration at age 80 (Highline FIA PLUS with Enhanced Premium Bonus)
Excludes the 0.95% current Enhanced Premium Bonus Rider charge. This is not a net contract value.
23%
Premium bonus offered
Gross crediting illustration for each line; excludes the 0.95% current Enhanced Premium Bonus Rider charge.
S&P 500 Index — 6% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down index year has 0% index credit before rider charges. This illustration deducts no rider charge and is not a net contract value. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Highline FIA PLUS with Enhanced Premium Bonus'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. Gross crediting only: this illustration excludes the 0.95% current Enhanced Premium Bonus Rider charge reported in the source. The supplied charge data does not establish a deduction frequency or basis. This charge is not deducted, and no net contract value is shown. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $23,000 premium bonus (23%) = $123,000. 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 with Enhanced Premium Bonus rate report
See how Highline FIA PLUS with Enhanced Premium Bonus compares for your age, state, premium, and income goals alongside other Axonic Insurance Services Ais fixed indexed annuity options.
The enhanced bonus election provides the largest issue-credit option in the Highline family.
Multiple surrender-term choices and a broad index menu remain available under the same filing.
What to confirm
The enhanced bonus rider carries a fee and a vesting schedule, so the headline bonus is not the same as immediately liquid account value.
Underlying caps are lower than the no-bonus Highline filing and a market value adjustment applies to early surrender.
Not ideal for
Buyers who want the highest no-bonus caps, avoid contract rider fees, or need short-term liquidity.
Free Comparison Report
Get a Highline FIA PLUS with Enhanced Premium Bonus rate report
See how Highline FIA PLUS with Enhanced Premium Bonus 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+
Other contract riders and charges
Enhanced Premium Bonus Rider
Published rider charge: 0.95% (current). This charge is separate from strategy crediting rates. Confirm charge frequency and basis in the carrier contract.
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 with Enhanced Premium Bonus
● Can I lose money in Highline FIA PLUS with Enhanced Premium Bonus?
A negative index return by itself does not reduce the contract's account value: Highline FIA PLUS with Enhanced Premium Bonus 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 with Enhanced Premium Bonus's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another available Highline FIA PLUS with Enhanced Premium 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
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
23%
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 with Enhanced Premium Bonus 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 with Enhanced Premium Bonus rate report
See how Highline FIA PLUS with Enhanced Premium Bonus 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.