Top Ridge Bonus Annuity
Security Benefit Life
6.75%
Best Cap
10%
Free W/D
50
States
The TopRidge Bonus Annuity is a fixed index annuity that protects your principal from market losses while offering the potential to earn interest credits based on positive index performance. It's designed for people approaching or in retirement who want safe growth with flexibility and a first-year bonus boost.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Morgan Stanley Global Equity Allocator Index | 2-Year | -- | 150% | -- |
| Morgan Stanley Global Equity Allocator Index | Annual | -- | 105% | -- |
| MSCI BofA US Dualcast Index | 2-Year | -- | 125% | -- |
| MSCI BofA US Dualcast Index | Annual | -- | 90% | -- |
| MSCI EAFE Index | Annual | 6.75% | 100% | -- |
| Nasdaq-100 Index | Annual | 6.25% | 100% | -- |
| Russell 2000 Index | Annual | 6.75% | 100% | -- |
| SG AI Navigator Index (USD - Excess Return) | 2-Year | -- | 120% | -- |
| SG AI Navigator Index (USD - Excess Return) | Annual | -- | 80% | -- |
| S&P 500 Dynamic Intraday TCA Index (USD) ER | 2-Year | -- | 75% | -- |
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | -- | 50% | -- |
| S&P 500 Index | Annual | 6% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.25% |
Key Features
Market Loss Protection
0% loss in negative market yearsYour purchase payments and previously credited amounts are protected from market downturns
Premium Bonus
Varies by current ratesAdditional credit applied to all premiums received within the first contract year
Cumulative Free Withdrawal Rider
Up to 30% cumulative accessWithdraw up to 10% annually without surrender charges; unused amounts carry over up to 30% total over three years
Index Crediting Strategies
8+ index crediting optionsChoose from fixed account or multiple index options (S&P 500, Nasdaq-100, Russell 2000, MSCI EAFE, and proprietary indices)
Tax-Deferred Growth
100% of credits compound tax-freeAll interest credits compound without annual taxation until withdrawal
Rider Charge Refund
0.95% annual rider chargeIf total fixed and index credits exceed total rider charges by contract end, the difference is refunded
Terminal Illness & Nursing Home Waiver
Available after year 3Surrender charges, bonus recapture, and MVA are waived if confined to nursing home for 90+ days or diagnosed with terminal illness
Death Benefit
Full account value to heirsBeneficiaries receive 100% of account value (less applicable taxes and charges) if annuitant dies before annuitization
Highlights
Protection from market losses while earning credits based on positive index performance
First-year premium bonus jumpstarts your retirement savings accumulation
Cumulative free withdrawal rider allows up to 30% penalty-free access to your money
Broad selection of index crediting strategies across different asset classes for diversification
Tax-deferred growth compounds 100% of interest credits until withdrawal
Surrender Schedule
Yr 1
12%
Yr 2
12%
Yr 3
11%
Yr 4
11%
Yr 5
10%
Yr 6
9%
Yr 7
8%
Yr 8
7%
Yr 9
6%
Yr 10
4%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
People approaching retirement or already retired who want to reduce market risk, need access to emergency funds, and seek tax-deferred growth with principal protection.
Consider Alternatives If
People who need immediate access to their full account balance without penalties, or those seeking maximum growth in a bullish market who can tolerate significant downside risk.
Carrier Ratings
Free Comparison Report
Get a personalized Top Ridge Bonus Annuity illustration
See year-by-year projections for your specific age, premium, and income goals.
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