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Fixed Indexed Annuity

Top Ridge Bonus Annuity

Security Benefit Life

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6%

Best S&P 500 Annual Cap

10%

Free W/D

50

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 Top Ridge Bonus Annuity 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.
Crediting strategy
Compare against
$304,797
Est. value at age 80 (Top Ridge Bonus Annuity)
21%
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 Top Ridge Bonus Annuity'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 + $21,000 premium bonus (21%) = $121,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of September 4, 2026.

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See how Top Ridge Bonus Annuity compares for your age, state, premium, and income goals alongside other Security Benefit Life fixed indexed annuity options.

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rate data

Run numbers for Top Ridge Bonus Annuity

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

Live product data

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

S&P 500 annual cap rate

6% cap on S&P 500

A ten-year-surrender fixed indexed annuity from an A- rated carrier built around the largest up-front premium bonus in the carrier's current FIA lineup, with annual point-to-point caps on recognizable benchmarks plus a compact set of proprietary participation strategies, single-or-joint annuitization, and no income rider.

1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers committed to a full ten-year deferral who prioritize the biggest possible up-front premium bonus, are comfortable accepting lower current caps and participation rates as the trade-off, want single-or-joint annuitization optionality, 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 · Does not vary by premium

S&P 500

S&P 500 Index

38% participation rate

Participation

1-year term · 10-year surrender · Does not vary by premium

Nasdaq-100

Nasdaq-100 Index

6.25% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3.25% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

+ 10 additional crediting options (MSCI EAFE, Russell 2000, S&P 500...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Largest up-front premium bonus in Security Benefit's current FIA lineup — the headline bonus on this contract is materially bigger than the Strategic Growth Plus sibling, and that bonus is what the product is built around.
  • Annuitization options include both single and joint life, so couples can structure the contract for two-life payout from the outset rather than restructuring later.
  • Compact, recognizable cap menu (S&P 500, Nasdaq-100, MSCI EAFE, Russell 2000) is paired with a small set of proprietary participation strategies — buyers who prefer a clean cap-on-benchmark allocation don't have to wade through a deep proprietary index list to find the standard option.
  • 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

  • Large-bonus FIAs typically recover the carrier's bonus economics through materially lower caps and participation rates than no-bonus siblings on the same chassis — the headline cap on this contract is noticeably lower than the carrier's no-bonus Strategic Growth Annuity. Compare net projected outcomes over the full ten-year term against both the smaller-bonus Strategic Growth Plus and the no-bonus Strategic Growth Annuity before choosing the largest bonus.
  • 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 contract is well below current declared caps — caps can reset down toward that contractual floor over the term, and the buyer carries that renewal risk for the full ten years.
  • The proprietary participation indexes on this contract (S&P 500 Dynamic Intraday TCA, Morgan Stanley Global Equity Allocator, MSCI BofA US Dualcast, SG AI Navigator) are volatility-controlled benchmarks. Participation rates on these strategies are not directly comparable to an uncontrolled S&P 500 cap — evaluate each strategy on its own merits.

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 a more moderate bonus paired with a higher current cap (consider Strategic Growth Plus).

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See how Top Ridge Bonus Annuity 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 (14 strategies)

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

Par: 38% · 1-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Cap: 6.75% · 1-yr

MSCI EAFE Index

cap

10-yr surrenderDoes not vary by premium

Cap: 6.75% · 1-yr

Russell 2000 Index

cap

10-yr surrenderDoes not vary by premium

Cap: 6.25% · 1-yr

Nasdaq-100 Index

cap

10-yr surrenderDoes not vary by premium

Cap: 6% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Fixed: 3.25% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Par: 105% + Spread: 0% · 1-yr

Morgan Stanley Global Equity Allocator Index

participation

10-yr surrenderDoes not vary by premium

Par: 90% + Spread: 0% · 1-yr

MSCI BofA US Dualcast Index

participation

10-yr surrenderDoes not vary by premium

Par: 80% + Spread: 0% · 1-yr

SG AI Navigator Index (USD - Excess Return)

participation

10-yr surrenderDoes not vary by premium

Par: 50% + Spread: 0% · 1-yr

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

participation

10-yr surrenderDoes not vary by premium

Par: 150% + Spread: 0% · 2-yr

Morgan Stanley Global Equity Allocator Index

participation

10-yr surrenderDoes not vary by premium

Par: 125% + Spread: 0% · 2-yr

MSCI BofA US Dualcast Index

participation

10-yr surrenderDoes not vary by premium

Par: 120% + Spread: 0% · 2-yr

SG AI Navigator Index (USD - Excess Return)

participation

10-yr surrenderDoes not vary by premium

Par: 75% + Spread: 0% · 2-yr

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

participation

10-yr surrenderDoes not vary by premium

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 Top Ridge Bonus Annuity

● Can I lose money in Top Ridge Bonus Annuity?

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

Use "Compare against" in the analyzer to overlay another available Top Ridge Bonus Annuity 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

21%

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

2.00%

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

Certain period, 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

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

Documents

product guide

IM5000534-V20260108.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

Top Ridge Bonus Annuity currently shows 14 indexed or fixed crediting options, including S&P 500 Index, Nasdaq-100 Index, and Fixed Account, with 10 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: 38% annual participation rate
  • Nasdaq-100 Index: 6.25% annual cap
  • Fixed Account: 3.25% fixed account 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 IM5000534-V20260108.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 Top Ridge Bonus Annuity compares for your age, state, premium, and income goals alongside other Security Benefit Life fixed indexed annuity options.

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