Annuities with a premium bonus.

Products that add an upfront bonus to your premium or benefit base. Compare the bonus products — and weigh the vesting and rider-charge tradeoffs before you commit.

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Carrier

Income rider

Premium bonus

Type

Surrender

Showing 1–15 of 156 products

Product	Type	Rating	Surrender	Income rider	Bonus
Allianz 222+ Allianz · Buyers who want the Allianz 222 income design with enhanced features and a premium bonus for a stronger starting position	Income	A+	10-yr	Yes	—	View →
Allianz Benefit Control+ Allianz · Buyers who want the Benefit Control design with enhanced features and a premium bonus for a stronger income foundation	Income	A+	10-yr	Yes	—	View →
American Equity IncomeShield BONUS 10 American Equity · Buyers who want a 14% premium bonus combined with built-in lifetime income and Wellbeing Benefit	Income	A	10-yr	Yes 1.10% annually	14%	View →
American National Smart Start Accumulator Plus American National · Single-premium accumulators who want an upfront premium enhancement (14% no-fee or 20% with a fee) combined with the Best Entry Window and preset diversified portfolios	FIA	A	10-yr	—	14%	View →
American National Strategy Indexed Annuity Plus 10 American National · Flexible-premium accumulators with a decade-long horizon who want a 1% bonus credited to every payment made in the first seven years, six indexed strategies across four indices, and the option to add a lifetime income rider whose fee is capped at its current level	FIA	A	10-yr	Yes 1.10% annually (limited to interest)	1%	View →
Protective Guaranteed Income Indexed Annuity Protective Life · Buyers age 50 to 79 who want a long-duration income FIA with a 15% bonus on the benefit base if income commences after year 5 (and 20% after year 10), a mandatory built-in lifetime income rider, and exposure to a competitive 4.0% simple rollup over 15 years	FIA	A+	10-yr	Yes 1.20% annually	—	View →
Performance Elite 10 Plus Athene · Buyers who want a large upfront premium bonus, broad index access, and accumulation-focused FIA mechanics without an income rider	FIA	A+	10-yr	—	21% (through age 70) / 23% (through age 64) / 23% (through age 70) / 21% (ages 65–70) / 19% (ages 71–75) / 21% (ages 71–75) / 17% (ages 76–78) / 19% (ages 76–78)	View →
Income Driver 10 National Life Group · Pre-retirees and early retirees using long-term money to build future lifetime income who want a built-in roll-up and a genuine choice between paying for a benefit-base bonus or taking a no-charge income rider	Income	A+	10-yr	Yes 1.00% annually	—	View →
Harbourview 4-Year Oceanview · Savers who can commit $20,000+ for four years and want a clean, bonus-free locked rate from an A-rated carrier	MYGA	A	4-yr	—	—	View →
Nationwide New Heights Select 12 Nationwide · Younger buyers with a very long time horizon who want the most aggressive crediting features including 3-year strategy terms and the highest EDB bonus	FIA	A+	12-yr	Yes 0.50%	—	View →
American National Strategy Indexed Annuity Plus 7 American National · Flexible-premium accumulators who want a premium enhancement applied to contributions in the first three years, four indexed crediting options including uncapped strategies, and an optional income rider	FIA	A	7-yr	Yes 1.10% annually (limited to interest)	12%	View →
Performance Pro F&G · Pre-retirees who want an immediate account-value boost, lifetime income access they can elect at issue, and principal protection in a single long-duration contract	FIA	A	10-yr	Yes 0.10% annually (1.50% max)	16% (through age 75) / 18% (through age 75) / 21% (through age 64) / 21% (through age 75) / 18% (ages 65–75) / 11% (ages 76+) / 12% (ages 76+) / 15% (ages 76+)	View →
Performance Elite 7 Plus Athene · Buyers who want a 6% account-value premium bonus, multiple index choices, and principal protection in a 7-year FIA without an income rider	FIA	A+	7-yr	—	5% / 6%	View →
Income Driver 7 National Life Group · Buyers who want to defer future lifetime income, prefer a 7-year commitment over the usual 10, and want a real choice between a zero-cost income rider and a bonused one	Income	A+	7-yr	Yes 1.00% annually	—	View →
American Spirit 5-Year American Century Life · Savers who want a simple, immediately-liquid 5-year locked rate without paying for an income rider or chasing a premium bonus	MYGA	B++	5-yr	—	—	View →

Products are listed in our editorial order, not by rate or commission. Details are snapshots and reflect features as documented — confirm current terms and state availability with the carrier. Information, not a quote or recommendation.

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