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 PLUS with Enhanced Premium Bonus 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
$245,607
Est. value at age 80 (Trailhead FIA PLUS with Enhanced Premium Bonus)
18%
Premium bonus offered
S&P 500 Index — 8.75% 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 PLUS with Enhanced Premium Bonus's published cap rate (8.75% 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. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $18,000 premium bonus (18%) = $118,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of July 15, 2026.
Free Comparison Report
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See how Trailhead 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.
Run live numbers for Trailhead FIA PLUS with Enhanced Premium Bonus
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
6% cap on S&P 500
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.
1-year term10-year surrender$100,000+AdvisorWorld + CANNEX data
Best fit
Buyers who want tax-deferred accumulation from an A- rated carrier, value a day-one premium bonus that lifts the starting account value, can deposit at least $100,000 to qualify for the high-band crediting rates, are willing to pay a published rider fee and accept a multi-year bonus vesting schedule in exchange for the bonus, and want a single contract that can express either a recognizable S&P 500 annual cap or higher-participation exposure to volatility-controlled and thematic proprietary indexes.
AM Best
A- Excellent
Surrender options
5, 7, and 10 years
Free withdrawal
10%/yr
Availability
43 jurisdictions (restricted footprint)
Minimum premium
$20,000
Featured crediting strategies
Caps, participation rates, and declared rates are shown separately.
Index / strategyRate mechanicsCreditingSurrenderPremium
Premium-bonus design — the contract is named for what it does. The 'Enhanced Premium Bonus Rider' adds a day-one premium bonus to the account value at issue, so the buyer's starting balance steps up immediately rather than waiting on index crediting. The bonus is filed as a rider with a published rider fee and a multi-year vesting schedule, not as a free credit (see watch-outs).
Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with a wide proprietary-index participation menu — the S&P 500 Dynamic Intraday TCA Index, the DB Foresight X-Asset 10 Index, the NASDAQ-100 Volatility Control 7% Index, and a Nasdaq-100 Bitcoin Trends 15% Index — so the same contract can express either a like-for-like named-index cap comparison or a higher-participation alternative against vol-controlled and thematic indexes.
Most index strategies are offered in both a 1-year and a 2-year crediting term on the same contract, so a buyer who prefers longer crediting windows on the same index can change the cadence without changing the index.
Standard accumulation liquidity package is visible on the page rather than buried in a brochure — a 10% annual free-withdrawal allowance plus nursing-home and terminal-illness surrender waivers — and the full year-by-year surrender ladder, the MVA flag, and the GMIR are all surfaced directly.
What to confirm
Premium bonuses are not free money. The 'Enhanced Premium Bonus' is delivered through a named rider that carries a published rider fee deducted from the account value every year (not just when index crediting is positive), and the bonus itself vests over a multi-year schedule — a buyer who surrenders early forfeits the unvested portion AND pays the rider fee for the years they held the contract. Compare net long-horizon crediting against the carrier's non-bonus Trailhead chassis before assuming the bonus is a net win.
There is no lifetime-income rider on this contract in the live data. Do not pitch Trailhead FIA PLUS with Enhanced Premium Bonus as a guaranteed lifetime payout product — its job is bonus-amplified index-linked accumulation, 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 — each strategy has to be evaluated on its own historical behavior and live-track record, not on the headline participation number alone.
The contract carries a market-value adjustment on surrenders above the free-withdrawal allowance on top of the surrender charge, and the high-band crediting rates require a $100,000 premium — smaller deposits get materially lower caps and participation on the same strategies. The death benefit is the standard cash surrender value with no rollup and no step-up, so estate-focused buyers expecting an enhanced death benefit will not find one here. Filed in 43 jurisdictions, so confirm availability in your state before quoting.
Not ideal for
Buyers who need a contractually guaranteed lifetime withdrawal rate (no income rider attached here — pick a product with a GLWB instead), want an enhanced or rolled-up death benefit, need short-surrender liquidity inside the bonus vesting window, would rather not pay an annual rider fee in exchange for the bonus, or reside in a state where this contract is not filed (only 43 jurisdictions). Also not a fit for buyers who would prefer the carrier's non-bonus Trailhead chassis before accepting the rider-fee-funded bonus trade.
Free Comparison Report
Get a Trailhead FIA PLUS with Enhanced Premium Bonus rate report
See how Trailhead 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 are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.
Par: 64% · 1-yr
NASDAQ-100 Volatility Control 7% Index
participation
10-yr surrender$100,000+
Par: 55% · 1-yr
DB Foresight X-Asset 10 Index
participation
10-yr surrender$100,000+
Par: 43% · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
10-yr surrender$100,000+
Par: 38% · 1-yr
Nasdaq-100 Bitcoin Trends 15% Index
participation
10-yr surrender$100,000+
Par: 35% · 1-yr
S&P 500 Index
participation
10-yr surrender$100,000+
Cap: 6% · 1-yr
S&P 500 Index
cap
10-yr surrender$100,000+
Fixed: 3% · 1-yr
Fixed Account
fixed
10-yr surrender$100,000+
Par: 77% · 2-yr
NASDAQ-100 Volatility Control 7% Index
participation
10-yr surrender$100,000+
Par: 68% · 2-yr
DB Foresight X-Asset 10 Index
participation
10-yr surrender$100,000+
Par: 55% · 2-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
10-yr surrender$100,000+
Par: 51% · 2-yr
Nasdaq-100 Bitcoin Trends 15% Index
participation
10-yr surrender$100,000+
Par: 45% · 2-yr
S&P 500 Index
participation
10-yr surrender$100,000+
Cap: 8.75% · 2-yr
S&P 500 Index
cap
10-yr surrender$100,000+
Fixed: 3% · 2-yr
Fixed Account
fixed
10-yr surrender$100,000+
Par: 51% · 1-yr
NASDAQ-100 Volatility Control 7% Index
participation
10-yr surrenderUp to $99,999.99
Par: 42% · 1-yr
DB Foresight X-Asset 10 Index
participation
10-yr surrenderUp to $99,999.99
Par: 34% · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
10-yr surrenderUp to $99,999.99
Par: 34% · 1-yr
Nasdaq-100 Bitcoin Trends 15% Index
participation
10-yr surrenderUp to $99,999.99
Par: 30% · 1-yr
S&P 500 Index
participation
10-yr surrenderUp to $99,999.99
Cap: 5.5% · 1-yr
S&P 500 Index
cap
10-yr surrenderUp to $99,999.99
Fixed: 2.5% · 1-yr
Fixed Account
fixed
10-yr surrenderUp to $99,999.99
Par: 72% · 2-yr
NASDAQ-100 Volatility Control 7% Index
participation
10-yr surrenderUp to $99,999.99
Par: 64% · 2-yr
DB Foresight X-Asset 10 Index
participation
10-yr surrenderUp to $99,999.99
Par: 47% · 2-yr
Nasdaq-100 Bitcoin Trends 15% Index
participation
10-yr surrenderUp to $99,999.99
Par: 43% · 2-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
10-yr surrenderUp to $99,999.99
Par: 35% · 2-yr
S&P 500 Index
participation
10-yr surrenderUp to $99,999.99
Cap: 8.5% · 2-yr
S&P 500 Index
cap
10-yr surrenderUp to $99,999.99
Fixed: 2.5% · 2-yr
Fixed Account
fixed
10-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 PLUS with Enhanced Premium Bonus
● Can I lose money in Trailhead FIA PLUS with Enhanced Premium Bonus?
A negative index return by itself does not reduce the contract's account value: Trailhead FIA PLUS with Enhanced Premium Bonus 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 7 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 PLUS with Enhanced Premium Bonus's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another current Trailhead 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
18%
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
0.00%
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%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
Documents
product guide
Trailhead_FIA_PLUS_Consumer_Brochure.pdf
Confidence: highReviewed Apr 14, 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 PLUS with Enhanced Premium Bonus 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: 6% annual cap
S&P 500 Index: 5.5% annual cap
S&P 500 Index: 35% annual participation rate
S&P 500 Index: 30% 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
7 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_PLUS_Consumer_Brochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 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 PLUS with Enhanced Premium Bonus rate report
See how Trailhead 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.