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 Trailhead FIA 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 15, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$281,436
Est. value at age 80 (Trailhead FIA)
10.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 21.5% Cap (2-yr point-to-point)
✦
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 Trailhead FIA's published cap rate (21.5% 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; 2-year credits are applied only at completed term anniversaries. Not a projection, quote, or guarantee. Live CANNEX rates as of July 15, 2026.
Free Comparison Report
Get a Trailhead FIA rate report
See how Trailhead FIA compares for your age, state, premium, and income goals alongside other Axonic Insurance Services (AIS) fixed indexed annuity options.
Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Axonic Insurance Services (AIS) product.
Live product data
Rates as of July 15, 2026, based on the latest AdvisorWorld scan of CANNEX data.
S&P 500 annual point-to-point cap
10.5% cap on S&P 500
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.
1-year term5-year surrender$100,000+AdvisorWorld + CANNEX data
Best fit
Accumulation-focused buyers committing to a ten-year deferral who want a recognizable no-fee S&P 500 annual point-to-point cap alongside both 1-year and 2-year participation-rate alternatives on the same index plus four additional indexes, with standard nursing-home and terminal-illness surrender waivers and the flexibility of single-life, joint-life, qualified, or non-qualified ownership.
AM Best
A- Excellent
Surrender options
5, 7, and 10 years
Free withdrawal
10%/yr
Availability
44 jurisdictions (restricted footprint)
Featured crediting strategies
Caps, participation rates, and declared rates are shown separately.
Index / strategyRate mechanicsCreditingSurrenderPremium
Pure accumulation design with no income rider attached — every basis point of crediting flows to account value rather than rider fees, and the contract is not loaded with a lifetime-income story it cannot deliver.
Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with both 1-year and 2-year participation-rate alternatives on the same S&P 500 Index, so a buyer can express either a like-for-like cap comparison or a higher-participation longer-look variant on the same recognizable benchmark.
Beyond the S&P 500, the index menu spans four additional indexes — S&P 500 Dynamic Intraday TCA, DB Foresight X-Asset 10, NASDAQ-100 Volatility Control 7%, and Nasdaq-100 Bitcoin Trends 15% — and most are offered in both 1-year and 2-year crediting terms on the same contract, so a buyer can choose the cadence rather than the index.
Standard accumulation liquidity package is fully visible on this page — a 10% annual free-withdrawal allowance, the full ten-year surrender ladder, and nursing-home and terminal-illness surrender waivers — rather than gated behind a brochure.
Both single-life and joint-life ownership are available alongside qualified and non-qualified funding, so the same contract structure works for individual, spousal, and trust-owned arrangements without filing a different product.
What to confirm
There is no lifetime-income rider on this contract in the live data. Do not pitch Trailhead FIA as a guaranteed lifetime-withdrawal product — its job is index-linked accumulation over the ten-year term, not income.
Several of the index strategies use proprietary, volatility-controlled or thematic indexes (S&P 500 Dynamic Intraday TCA, DB Foresight X-Asset 10, NASDAQ-100 Volatility Control 7%, Nasdaq-100 Bitcoin Trends 15%). Their participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap, and several of these indexes have shorter live-track histories than the S&P 500 itself — evaluate each on its own forward characteristics rather than the headline participation number alone.
Surrender lockup runs the full ten years with a market value adjustment on amounts above the 10% free-withdrawal allowance. Early exits carry both a surrender charge and interest-rate sensitivity through the MVA — buyers who may need full liquidity inside that window should plan around the free-withdrawal allowance, not against it.
The standard death benefit on this contract pays cash surrender value rather than 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.
Carrier financial strength is published by a single rating agency (A.M. Best at A-) in this data rather than triangulated across multiple agencies — confirm with the carrier whether additional ratings exist before relying on the strength view in this page alone. Trailhead FIA is also not filed in seven jurisdictions (Connecticut, Minnesota, North Carolina, New Jersey, New York, Rhode Island, Wisconsin) — confirm state availability before recommending to buyers in any of those states.
Not ideal for
Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, want a plain MYGA-style declared rate, need shorter-than-ten-year liquidity, require an account-value-based death benefit, or live in Connecticut, Minnesota, North Carolina, New Jersey, New York, Rhode Island, or Wisconsin — none of those are what this contract is built to deliver in this contract.
Free Comparison Report
Get a Trailhead FIA rate report
See how Trailhead FIA compares for your age, state, premium, and income goals alongside other Axonic Insurance Services (AIS) fixed indexed annuity options.
These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.
Par: 106% · 1-yr
NASDAQ-100 Volatility Control 7% Index
participation
5-yr surrender$100,000+
Par: 92% · 1-yr
DB Foresight X-Asset 10 Index
participation
5-yr surrender$100,000+
Par: 80% · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
5-yr surrender$100,000+
Par: 70% · 1-yr
Nasdaq-100 Bitcoin Trends 15% Index
participation
5-yr surrender$100,000+
Par: 63% · 1-yr
S&P 500 Index
participation
5-yr surrender$100,000+
Cap: 10.5% · 1-yr
S&P 500 Index
cap
5-yr surrender$100,000+
Fixed: 5.05% · 1-yr
Fixed Account
fixed
5-yr surrender$100,000+
Par: 164% · 2-yr
NASDAQ-100 Volatility Control 7% Index
participation
5-yr surrender$100,000+
Par: 139% · 2-yr
DB Foresight X-Asset 10 Index
participation
5-yr surrender$100,000+
Par: 115% · 2-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
5-yr surrender$100,000+
Par: 100% · 2-yr
Nasdaq-100 Bitcoin Trends 15% Index
participation
5-yr surrender$100,000+
Par: 75% · 2-yr
S&P 500 Index
participation
5-yr surrender$100,000+
Cap: 21.5% · 2-yr
S&P 500 Index
cap
5-yr surrender$100,000+
Fixed: 5.05% · 2-yr
Fixed Account
fixed
5-yr surrender$100,000+
Par: 98% · 1-yr
NASDAQ-100 Volatility Control 7% Index
participation
5-yr surrenderUp to $99,999.99
Par: 83% · 1-yr
DB Foresight X-Asset 10 Index
participation
5-yr surrenderUp to $99,999.99
Par: 67% · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
5-yr surrenderUp to $99,999.99
Par: 65% · 1-yr
Nasdaq-100 Bitcoin Trends 15% Index
participation
5-yr surrenderUp to $99,999.99
Par: 51% · 1-yr
S&P 500 Index
participation
5-yr surrenderUp to $99,999.99
Cap: 9.5% · 1-yr
S&P 500 Index
cap
5-yr surrenderUp to $99,999.99
Fixed: 4.25% · 1-yr
Fixed Account
fixed
5-yr surrenderUp to $99,999.99
Par: 151% · 2-yr
NASDAQ-100 Volatility Control 7% Index
participation
5-yr surrenderUp to $99,999.99
Par: 125% · 2-yr
DB Foresight X-Asset 10 Index
participation
5-yr surrenderUp to $99,999.99
Par: 103% · 2-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
5-yr surrenderUp to $99,999.99
Par: 95% · 2-yr
Nasdaq-100 Bitcoin Trends 15% Index
participation
5-yr surrenderUp to $99,999.99
Par: 60% · 2-yr
S&P 500 Index
participation
5-yr surrenderUp to $99,999.99
Cap: 19.5% · 2-yr
S&P 500 Index
cap
5-yr surrenderUp to $99,999.99
Fixed: 4.25% · 2-yr
Fixed Account
fixed
5-yr surrenderUp to $99,999.99
Accumulation profile
Accumulation-focused contract
Current CANNEX product data marks this filing 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 Trailhead FIA
● Can I lose money in Trailhead FIA?
A negative index return by itself does not reduce the contract's account value: Trailhead FIA 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 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 Trailhead FIA's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another current Trailhead FIA 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
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
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
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, Surrender waivers
Documents
product guide
Trailhead_FIA_Consumer_Brochure.pdf
Confidence: highReviewed Apr 7, 2026
Direct link not published — request the document from the carrier.
Carrier Ratings
AM BestA-
Contract notes from product data
Crediting design
How the interest-crediting choices are framed
Trailhead FIA currently shows 28 indexed or fixed crediting options, including S&P 500 Index, with 12 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: 10.5% annual cap
S&P 500 Index: 9.5% annual cap
S&P 500 Index: 63% annual participation rate
S&P 500 Index: 51% 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.
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
Carrier materials such as Trailhead_FIA_Consumer_Brochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. 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 Trailhead FIA rate report
See how Trailhead FIA compares for your age, state, premium, and income goals alongside other Axonic Insurance Services (AIS) fixed indexed annuity options.