Fixed Indexed Annuity

Chartline Bonus

Knighthead Life

Best S&P 500 Annual Cap

10%

Free W/D

Available jurisdictions

Product data status: updated regularly

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 Chartline Bonus would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer

Illustrative — live CANNEX rates as of September 4, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Surrender term

Crediting strategy

Compare against

$287,164

Est. value at age 80 (Chartline Bonus)

14%

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 Chartline 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. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $14,000 premium bonus (14%) = $114,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of September 4, 2026.

Free Comparison Report

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See how Chartline Bonus compares for your age, state, premium, and income goals alongside other Knighthead Life fixed indexed annuity options.

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rate data

Run numbers for Chartline Bonus

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Knighthead Life product.

Live product data

Rates as of September 4, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual point-to-point cap

6% cap on S&P 500

The bonus version of Knighthead Chartline, combining a vesting issue credit with a broad multi-term index menu.

1-year term10-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

Buyers who value an upfront bonus and can hold through the chosen surrender and vesting schedules.

AM Best

A- Excellent

Surrender options

5, 7, and 10 years

Free withdrawal

10%/yr

Availability

45 jurisdictions (restricted footprint)

Featured crediting strategies

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

6% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

S&P 500

S&P 500 Index

Global Diversified Balance Model Portfolio — 15% allocation

6% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

1-year term

10-year surrender

$100,000+

S&P 500

S&P 500 Index

American Benchmark Collection Model Portfolio — 40% allocation

6% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

1-year term

10-year surrender

$100,000+

S&P 500

S&P 500 Index

CAP Amplifier Model Portfolio — 50% allocation

7.25% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

1-year term

10-year surrender

$100,000+

S&P 500

S&P 500 Index

6% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

Global Diversified Balance Model Portfolio — 15% allocation

6% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

American Benchmark Collection Model Portfolio — 40% allocation

6% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

CAP Amplifier Model Portfolio — 50% allocation

7.25% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

6% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

1-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

Global Diversified Balance Model Portfolio — 15% allocation

6% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

American Benchmark Collection Model Portfolio — 40% allocation

6% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

CAP Amplifier Model Portfolio — 50% allocation

7.25% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

Nasdaq-100

Nasdaq-100 Index

5% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

Nasdaq-100

Nasdaq-100 Index

Global Diversified Balance Model Portfolio — 15% allocation

5% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

1-year term

10-year surrender

$100,000+

Nasdaq-100

Nasdaq-100 Index

American Benchmark Collection Model Portfolio — 30% allocation

4.75% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

1-year term

10-year surrender

$100,000+

Nasdaq-100

Nasdaq-100 Index

5% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

Nasdaq-100

Nasdaq-100 Index

Global Diversified Balance Model Portfolio — 15% allocation

5% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

1-year term

5-year surrender

$100,000+

Nasdaq-100

Nasdaq-100 Index

American Benchmark Collection Model Portfolio — 30% allocation

4.75% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

1-year term

5-year surrender

$100,000+

Nasdaq-100

Nasdaq-100 Index

5% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

1-year term

7-year surrender

$100,000+

Nasdaq-100

Nasdaq-100 Index

Global Diversified Balance Model Portfolio — 15% allocation

5% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

Nasdaq-100

Nasdaq-100 Index

American Benchmark Collection Model Portfolio — 30% allocation

4.75% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

Dow Jones

Dow Jones Industrial Average

4.5% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

Dow Jones

Dow Jones Industrial Average

Global Diversified Balance Model Portfolio — 15% allocation

4.5% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

1-year term

10-year surrender

$100,000+

Dow Jones

Dow Jones Industrial Average

American Benchmark Collection Model Portfolio — 30% allocation

4.75% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

1-year term

10-year surrender

$100,000+

Dow Jones

Dow Jones Industrial Average

4.5% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

Dow Jones

Dow Jones Industrial Average

Global Diversified Balance Model Portfolio — 15% allocation

4.5% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

1-year term

5-year surrender

$100,000+

Dow Jones

Dow Jones Industrial Average

American Benchmark Collection Model Portfolio — 30% allocation

4.75% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

1-year term

5-year surrender

$100,000+

Dow Jones

Dow Jones Industrial Average

4.5% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

1-year term

7-year surrender

$100,000+

Dow Jones

Dow Jones Industrial Average

Global Diversified Balance Model Portfolio — 15% allocation

4.5% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

Dow Jones

Dow Jones Industrial Average

American Benchmark Collection Model Portfolio — 30% allocation

4.75% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

Fixed Account

3% declared rate

Fixed account

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

Fixed Account

3% declared rate

Fixed account

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

Fixed Account

3% declared rate

Fixed account

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

1-year term

7-year surrender

$100,000+

+ 36 additional crediting options (STOXX Europe, S&P 500, NYSE Bonds...)

Product analyst notes

How to think about this contract

Why it can stand out

A vesting premium bonus is available across several surrender-term choices in one filing.
The strategy menu remains broad, with annual cap and participation choices on several recognizable and volatility-managed indexes.

What to confirm

The bonus vests over time and the bonus filing publishes lower underlying caps than the base Chartline chassis.
Term-specific strategies and a market value adjustment make early-exit and rate comparisons scenario-dependent.

Not ideal for

Buyers prioritizing the highest base caps, needing a GLWB, or likely to surrender before vesting.

Free Comparison Report

Get a Chartline Bonus rate report

See how Chartline Bonus compares for your age, state, premium, and income goals alongside other Knighthead Life fixed indexed annuity options.

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All crediting strategies

View rate listings (35 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Par: 75% · 1-yr

NYSE Bonds and Commodities Index

participation

10-yr surrender$100,000+

Par: 75% · 1-yr

NYSE Premier Index

Global Diversified Balance Model Portfolio — 20% allocation · participation

10-yr surrender$100,000+

Par: 50% · 1-yr

NYSE Bonds and Commodities Index

CAP Amplifier Model Portfolio — 20% allocation · participation

10-yr surrender$100,000+

Par: 40% · 1-yr

S&P 500 Daily Risk Control 15% Index

participation

10-yr surrender$100,000+

Par: 40% · 1-yr

S&P 500 Daily Risk Control 15% Index

Global Diversified Balance Model Portfolio — 15% allocation · participation

10-yr surrender$100,000+

Par: 25% · 1-yr

S&P 500 Daily Risk Control 15% Index

CAP Amplifier Model Portfolio — 30% allocation · participation

10-yr surrender$100,000+

Cap: 7.25% · 1-yr

S&P 500 Index

CAP Amplifier Model Portfolio — 50% allocation · cap

10-yr surrender$100,000+

Cap: 6% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Cap: 6% · 1-yr

STOXX Europe 600

cap

10-yr surrender$100,000+

Cap: 6% · 1-yr

S&P 500 Index

Global Diversified Balance Model Portfolio — 15% allocation · cap

10-yr surrender$100,000+

Cap: 6% · 1-yr

STOXX Europe 600

Global Diversified Balance Model Portfolio — 20% allocation · cap

10-yr surrender$100,000+

Cap: 6% · 1-yr

S&P 500 Index

American Benchmark Collection Model Portfolio — 40% allocation · cap

10-yr surrender$100,000+

Cap: 5% · 1-yr

Nasdaq-100 Index

cap

10-yr surrender$100,000+

Cap: 5% · 1-yr

Nasdaq-100 Index

Global Diversified Balance Model Portfolio — 15% allocation · cap

10-yr surrender$100,000+

Cap: 4.75% · 1-yr

Nasdaq-100 Index

American Benchmark Collection Model Portfolio — 30% allocation · cap

10-yr surrender$100,000+

Cap: 4.75% · 1-yr

Dow Jones Industrial Average

American Benchmark Collection Model Portfolio — 30% allocation · cap

10-yr surrender$100,000+

Cap: 4.5% · 1-yr

Dow Jones Industrial Average

cap

10-yr surrender$100,000+

Cap: 4.5% · 1-yr

Dow Jones Industrial Average

Global Diversified Balance Model Portfolio — 15% allocation · cap

10-yr surrender$100,000+

Fixed: 3% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 70% · 1-yr

NYSE Bonds and Commodities Index

participation

10-yr surrenderUp to $99,999.99

Par: 35% · 1-yr

S&P 500 Daily Risk Control 15% 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

Cap: 5.5% · 1-yr

STOXX Europe 600

cap

10-yr surrenderUp to $99,999.99

Cap: 4.5% · 1-yr

Nasdaq-100 Index

cap

10-yr surrenderUp to $99,999.99

Cap: 4% · 1-yr

Dow Jones Industrial Average

cap

10-yr surrenderUp to $99,999.99

Fixed: 2.8% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Rate not shown · 1-yr

Index not shown

Global Diversified Balance Model Portfolio · Allocation model

Selected state rate set (TX)Up to $99,999.99

Rate not shown · 1-yr

Index not shown

American Benchmark Collection Model Portfolio · Allocation model

Selected state rate set (TX)Up to $99,999.99

Rate not shown · 1-yr

Index not shown

CAP Amplifier Model Portfolio · Allocation model

Selected state rate set (TX)Up to $99,999.99

Rate not shown · 1-yr

Index not shown

Global Diversified Balance Model Portfolio · Allocation model

Selected state rate set (TX)Up to $99,999.99

Rate not shown · 1-yr

Index not shown

American Benchmark Collection Model Portfolio · Allocation model

Selected state rate set (TX)Up to $99,999.99

Rate not shown · 1-yr

Index not shown

CAP Amplifier Model Portfolio · Allocation model

Selected state rate set (TX)Up to $99,999.99

Rate not shown · 1-yr

Index not shown

Global Diversified Balance Model Portfolio · Allocation model

Selected state rate set (TX)Up to $99,999.99

Rate not shown · 1-yr

Index not shown

American Benchmark Collection Model Portfolio · Allocation model

Selected state rate set (TX)Up to $99,999.99

Rate not shown · 1-yr

Index not shown

CAP Amplifier Model Portfolio · Allocation model

Selected state rate set (TX)Up to $99,999.99

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 Chartline Bonus

● Can I lose money in Chartline Bonus?

A negative index return by itself does not reduce the contract's account value: Chartline 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 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 Chartline Bonus's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Chartline 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

Activities of daily living, Nursing home waiver, RMD waiver

Premium bonus

14%

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

0.10%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

0.10%

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

Yr 2

Yr 3

Yr 4

Yr 5

Yr 6

Yr 7

After

Nursing home waiver, RMD 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

Chartline Bonus currently shows 27 distinct indexed or fixed crediting choices across 35 displayed rate entries, including S&P 500 Index, with 12 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.

S&P 500 Index: 6% annual cap
S&P 500 Index: 6% annual cap, Global Diversified Balance Model Portfolio — 15% allocation
S&P 500 Index: 6% annual cap, American Benchmark Collection Model Portfolio — 40% allocation
S&P 500 Index: 7.25% annual cap, CAP Amplifier Model Portfolio — 50% allocation

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
RMD 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 Chartline Bonus rate report

See how Chartline Bonus compares for your age, state, premium, and income goals alongside other Knighthead Life fixed indexed annuity options.

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Related Resources

Chartline Bonus

See what Chartline Bonus would do for you

Get a Chartline Bonus rate report

Run numbers for Chartline Bonus

6% cap on S&P 500

Featured crediting strategies

How to think about this contract

Why it can stand out

What to confirm

Get a Chartline Bonus rate report

All crediting strategies

Accumulation profile

Common questions about Chartline Bonus

Key Features

Free withdrawal

Surrender waivers

Premium bonus

Death benefit

Cap-rate floor

Fixed account guarantee

Participation-rate floor

Annuitization options

Fund types

Surrender schedule

Documents

Carrier Ratings

Contract notes from product data

How the interest-crediting choices are framed

Why access rules deserve as much attention as rates

Use carrier materials as term evidence, then confirm the current version

Get a Chartline Bonus rate report

Related Resources

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