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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Showing 1–15 of 110 products

Product	Type	Rating	Surrender	Income rider	Bonus
Nationwide New Heights Select 10 Nationwide · Buyers who want the most competitive crediting terms in the standard New Heights Select line with full rider flexibility and broad state availability	FIA	★ 4.3	10-yr	Yes 0.95% (income) or 0.50% (EDB)	3% (EDB with Bonus rider)	View →
American National Smart Start Accumulator Series American National · Buyers who want an accumulation-focused FIA with a Best Entry Window feature, up to 20% premium enhancement, five diverse indices, and pre-built portfolio allocation options	FIA	★ 4.3	10-yr	—	14-20%	View →
Allianz 222+ Allianz · Buyers who want the Allianz 222 income design with enhanced features and a premium bonus for a stronger starting position	Income	★ 4.3	10-yr	Yes Built into product design	Varies	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	★ 4.3	10-yr	Yes Built into product design	Varies	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	★ 4.2	10-yr	Yes 1.20%	14%	View →
Nationwide New Heights Select 9 Nationwide · Buyers who want 3-year strategy terms for potentially higher growth, a 7-index BAS crediting menu, and optional income or death benefit riders	FIA	★ 4.2	9-yr	Yes 0.95% (income) or 0.50% (EDB)	4% (EDB with Bonus rider)	View →
Aspida Synergy Choice Income Aspida · Pre-retirees who want a built-in guaranteed lifetime withdrawal benefit with a 12% simple interest roll-up rate, a 26% Benefit Base bonus, and an Enhanced Nursing Home Multiplier	Income	★ 4.2	10-yr	Yes 0.50% pre-activation / 1.50% post-activation	—	View →
American National Strategy Index 10 American National · Buyers who want a longer-duration FIA with a broader index menu including the BNPP Patriot Technology Index, a premium enhancement, and the option to add lifetime income	FIA	★ 4.2	10-yr	Yes Not disclosed	Varies	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	★ 4.2	10-yr	—	14% (no fee) or 20% (0.90% annual fee)	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	★ 4.2	10-yr	Yes 1.20% annually on benefit base (mandatory)	15% benefit base bonus if income starts after year 5; additional 20% after year 10 (35% combined)	View →
Charter Plus 10 North American · Buyers who want a meaningful upfront premium bonus, principal protection, and a broad crediting menu inside a 10-year contract	FIA	★ 4.2	10-yr	—	7% ($20,000-$74,999) or 10% ($75,000+) base bonus; optional enhanced bonus rider adds 9% for 0.95% annual charge	View →
Secure Horizon Plus North American · Buyers who want a large upfront premium boost, built-in lifetime income, and chronic illness protection in a single contract	FIA	★ 4.2	10-yr	Yes 1.20% - 1.45% annually	22% (includes 2% premium bonus special, subject to modification or discontinuation)	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	★ 4.2	10-yr	—	26% (ages 0-70); 24% (ages 71-75); 22% (ages 76-78)	View →
American Equity IncomeShield 9 American Equity · California buyers who want a 14% premium bonus combined with guaranteed lifetime income	Income	★ 4.1	9-yr	Yes 1.10% to 1.20%	14%	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	★ 4.1	12-yr	Yes 0.95% (income) or 0.55% (EDB)	5% (EDB with Bonus rider)	View →

Products are ranked by our editorial star rating, not by rate or commission. Ratings 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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