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Fixed Indexed Annuity

Strategic Growth Plus

Security Benefit Life

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6%

Best S&P 500 Annual Cap

10%

Free W/D

50

Jurisdictions

Product data status: July 13, 2026

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 Strategic Growth Plus 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 13, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$141,377
Est. value at age 80 (Strategic Growth Plus)
13%
Premium bonus offered
MSCI EAFE Index — 8% Cap (Rate Buy Up Feature (Strategy Fee Included) · Annual · 0.95% fee)
✦
How crediting works: the cap limits positive index returns; a down index year credits 0% before the annual strategy fee; fees can reduce account value. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Strategic Growth Plus's published cap rate (8% on MSCI EAFE Index) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years. Net growth deducts the 0.95% annual strategy fee returned for this strategy. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $13,000 premium bonus (13%) = $113,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of July 13, 2026.

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See how Strategic Growth Plus compares for your age, state, premium, and income goals alongside other Security Benefit Life fixed indexed annuity options.

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Live rate data

Run live numbers for Strategic Growth Plus

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

Live product data

Rates as of July 13, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

6% cap on S&P 500

A ten-year-surrender fixed indexed annuity from an A- rated carrier with an up-front premium bonus and an accumulation chassis — annual point-to-point caps on recognizable benchmark indexes plus a menu of proprietary volatility-controlled participation strategies — and no income rider.

1-year term10-year surrenderAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers committed to a full ten-year deferral who value an up-front premium bonus as a head start on the accumulation calculation, want a broad index menu across recognizable benchmarks and proprietary participation strategies, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A- Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

6% cap rate

Annual cap

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Rate Buy Up Feature (Strategy Fee Included)

7.75% cap rate

Annual cap

Strategy fee: 0.95%/yr

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

30% participation rate

Participation

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

55% participation rate + 3% spread

Participation

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Rate Buy Up Feature (Strategy Fee Included)

41% participation rate

Participation

Strategy fee: 0.95%/yr

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Rate Buy Up Feature (Strategy Fee Included)

66% participation rate + 3% spread

Participation

Strategy fee: 0.95%/yr

1-year term · 10-year surrender · Premium band not shown

Nasdaq-100

Nasdaq-100 Index

5.75% cap rate

Annual cap

1-year term · 10-year surrender · Premium band not shown

Nasdaq-100

Nasdaq-100 Index

Rate Buy Up Feature (Strategy Fee Included)

7.85% cap rate

Annual cap

Strategy fee: 0.95%/yr

1-year term · 10-year surrender · Premium band not shown

Fixed Account

Fixed Account

3% declared rate

Fixed account

1-year term · 10-year surrender · Premium band not shown

+ 34 additional crediting options (MSCI EAFE, Russell 2000, S&P 500...)

Product analyst notes

How to think about this contract

Why it can stand out

  • An up-front premium bonus is credited on day one, which gives the accumulation calculation a head start that the no-bonus Strategic Growth Annuity sibling does not have. The bonus is the structural reason to choose this filing over the base Strategic Growth.
  • Ten-year surrender term gives the carrier room to fund the bonus while still crediting index-linked accumulation across a wide menu of strategies — the longer commitment is the price the buyer pays for the up-front bonus economics.
  • Index menu spans recognizable benchmarks (S&P 500, MSCI EAFE, Nasdaq-100, Russell 2000) plus a wide set of proprietary participation strategies (S&P 500 Factor Rotator, S&P MARC, Morgan Stanley Global Equity Allocator, Morningstar Wide Moat Focus, UBS Market Pioneers, UBS Multi Asset Inflation Aware), giving buyers a broad accumulation toolkit.
  • Free-withdrawal allowance and the full ten-year surrender ladder are visible on this page, so the schedule of penalty-free liquidity is not gated behind a sales brochure.

What to confirm

  • Premium-bonus FIAs typically recover the carrier's bonus economics through lower caps and participation rates than no-bonus siblings on the same chassis. The current crediting numbers on this filing should be compared side-by-side with the no-bonus Strategic Growth Annuity — the right choice depends on net projected outcome over the full ten-year term, not the headline bonus number alone.
  • This contract is not a guaranteed-lifetime-income product. The live feed shows an empty income-rider list — only standard surrender-charge waivers (nursing home, terminal illness) are present. Do not compare its payout side-by-side with a rider-led income FIA.
  • Ten years is at the long end of the FIA market. The buyer is committing to the carrier's renewal-rate discretion for the full term, and the guaranteed-minimum cap floor on this filing is well below current declared caps — caps and participation rates can reset down toward that contractual floor over the term, and the buyer carries that renewal risk for the full ten years.
  • Many of the listed indexes are proprietary volatility-controlled benchmarks. Participation rates on these strategies can look high in absolute terms but are not directly comparable to an uncontrolled S&P 500 cap — evaluate each strategy on its own merits, and beware spread-bearing variants where a spread is deducted from any positive crediting.

Not ideal for

Buyers who need a contractually guaranteed GLWB withdrawal rate or a built-in Protected Income Value income mechanism, want a shorter surrender commitment (consider Strategic Growth 7), want the highest non-bonus caps in the family (consider Strategic Growth Annuity), or want an even larger up-front bonus on a similar surrender ladder (consider Top Ridge Bonus Annuity).

Free Comparison Report

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See how Strategic Growth Plus compares for your age, state, premium, and income goals alongside other Security Benefit Life fixed indexed annuity options.

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All crediting strategies

View rate listings (43 rows)

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: 66% + Spread: 3% · 1-yr

S&P 500 Index

Rate Buy Up Feature (Strategy Fee Included) · participation

10-yr surrender

Par: 55% + Spread: 3% · 1-yr

S&P 500 Index

participation

10-yr surrender

Par: 41% · 1-yr

S&P 500 Index

Rate Buy Up Feature (Strategy Fee Included) · participation

10-yr surrender

Par: 30% · 1-yr

S&P 500 Index

participation

10-yr surrender

Cap: 8.6% · 1-yr

Russell 2000 Index

Rate Buy Up Feature (Strategy Fee Included) · cap

10-yr surrender

Cap: 8% · 1-yr

MSCI EAFE Index

Rate Buy Up Feature (Strategy Fee Included) · cap

10-yr surrender

Cap: 7.85% · 1-yr

Nasdaq-100 Index

Rate Buy Up Feature (Strategy Fee Included) · cap

10-yr surrender

Cap: 7.75% · 1-yr

S&P 500 Index

Rate Buy Up Feature (Strategy Fee Included) · cap

10-yr surrender

Cap: 6.25% · 1-yr

Russell 2000 Index

cap

10-yr surrender

Cap: 6% · 1-yr

S&P 500 Index

cap

10-yr surrender

Cap: 6% · 1-yr

MSCI EAFE Index

cap

10-yr surrender

Cap: 5.75% · 1-yr

Nasdaq-100 Index

cap

10-yr surrender

Fixed: 3% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 168% + Spread: 0% · 1-yr

S&P MARC 5% Excess Return

Rate Buy Up Feature (Strategy Fee Included) · participation

10-yr surrender

Par: 155% + Spread: 0% · 1-yr

UBS Multi Asset Inflation Aware Index

Rate Buy Up Feature (Strategy Fee Included) · participation

10-yr surrender

Par: 140% + Spread: 0% · 1-yr

Morgan Stanley Global Equity Allocator Index

Rate Buy Up Feature (Strategy Fee Included) · participation

10-yr surrender

Par: 130% + Spread: 0% · 1-yr

UBS Market Pioneers

Rate Buy Up Feature (Strategy Fee Included) · participation

10-yr surrender

Par: 125% + Spread: 0% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrender

Par: 113% + Spread: 0% · 1-yr

S&P 500 Factor Rotator Daily RC2 7% Index (USD) ER

Rate Buy Up Feature (Strategy Fee Included) · participation

10-yr surrender

Par: 110% + Spread: 0% · 1-yr

UBS Multi Asset Inflation Aware Index

participation

10-yr surrender

Par: 105% + Spread: 0% · 1-yr

Morgan Stanley Global Equity Allocator Index

participation

10-yr surrender

Par: 100% + Spread: 50% · 1-yr

UBS Market Pioneers

participation

10-yr surrender

Par: 100% + Spread: 0% · 1-yr

Morningstar Wide Moat Focus Barclays VC 7% Index ER

Rate Buy Up Feature (Strategy Fee Included) · participation

10-yr surrender

Par: 85% + Spread: 0% · 1-yr

S&P 500 Factor Rotator Daily RC2 7% Index (USD) ER

participation

10-yr surrender

Par: 70% + Spread: 0% · 1-yr

Morningstar Wide Moat Focus Barclays VC 7% Index ER

participation

10-yr surrender

Par: 65% + Spread: 0% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Rate Buy Up Feature (Strategy Fee Included) · participation

10-yr surrender

Par: 50% + Spread: 0% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Par: 215% + Spread: 0% · 2-yr

UBS Multi Asset Inflation Aware Index

Rate Buy Up Feature (Strategy Fee Included) · participation

10-yr surrender

Par: 212% + Spread: 0% · 2-yr

S&P MARC 5% Excess Return

Rate Buy Up Feature (Strategy Fee Included) · participation

10-yr surrender

Par: 208% + Spread: 0% · 2-yr

Morgan Stanley Global Equity Allocator Index

Rate Buy Up Feature (Strategy Fee Included) · participation

10-yr surrender

Par: 175% + Spread: 0% · 2-yr

UBS Market Pioneers

Rate Buy Up Feature (Strategy Fee Included) · participation

10-yr surrender

Par: 150% + Spread: 0% · 2-yr

S&P MARC 5% Excess Return

participation

10-yr surrender

Par: 150% + Spread: 0% · 2-yr

Morgan Stanley Global Equity Allocator Index

participation

10-yr surrender

Par: 150% + Spread: 0% · 2-yr

UBS Multi Asset Inflation Aware Index

participation

10-yr surrender

Par: 150% + Spread: 0% · 2-yr

S&P 500 Factor Rotator Daily RC2 7% Index (USD) ER

Rate Buy Up Feature (Strategy Fee Included) · participation

10-yr surrender

Par: 145% + Spread: 0% · 2-yr

Morningstar Wide Moat Focus Barclays VC 7% Index ER

Rate Buy Up Feature (Strategy Fee Included) · participation

10-yr surrender

Par: 120% + Spread: 0% · 2-yr

UBS Market Pioneers

participation

10-yr surrender

Par: 110% + Spread: 0% · 2-yr

S&P 500 Factor Rotator Daily RC2 7% Index (USD) ER

participation

10-yr surrender

Par: 100% + Spread: 0% · 2-yr

Morningstar Wide Moat Focus Barclays VC 7% Index ER

participation

10-yr surrender

Par: 100% + Spread: 0% · 2-yr

S&P 500 Low Volatility Daily Risk Control 5% USD Total Return Index

Rate Buy Up Feature (Strategy Fee Included) · participation

10-yr surrender

Par: 96% + Spread: 0% · 2-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Rate Buy Up Feature (Strategy Fee Included) · participation

10-yr surrender

Par: 80% + Spread: 0% · 2-yr

S&P 500 Low Volatility Daily Risk Control 5% USD Total Return Index

participation

10-yr surrender

Par: 75% + Spread: 0% · 2-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Common questions about Strategic Growth Plus

● Can I lose money in Strategic Growth Plus?

A negative index return by itself does not reduce the contract's account value: Strategic Growth Plus 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 surrender period runs 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Strategic Growth Plus's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Strategic Growth 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

13%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

0.50%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

1.75%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

5.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Maximum spread

5.00%

Maximum spread: 5.00%

Annuitization options

Single life

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

8.1%

Yr 3

7.2%

Yr 4

6.3%

Yr 5

5.4%

Yr 6

4.5%

Yr 7

3.6%

Yr 8

2.7%

Yr 9

1.8%

Yr 10

0.9%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

Strategic Growth Plus Annuity.pdf

Confidence: highReviewed Apr 8, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA-
S&PA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Strategic Growth Plus currently shows 43 distinct indexed or fixed crediting choices across 86 current rate listings, including S&P 500 Index, with 34 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: 7.75% annual cap, Rate Buy Up Feature, 0.95% annual strategy fee
  • S&P 500 Index: 30% annual participation rate
  • S&P 500 Index: 55% 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 Strategic Growth Plus Annuity.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

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See how Strategic Growth Plus compares for your age, state, premium, and income goals alongside other Security Benefit Life fixed indexed annuity options.

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