| American Select 10-Year Buyers who want the strongest crediting terms in the American Select lineup and don't need a premium bonus, an income rider, or early liquidity beyond the built-in 10% allowance | FIA | 10yr | ★ 4.0 | — | — | Review → |
| American Select 7-Year Buyers who want an indexed annuity with a deep menu of crediting strategies and free-withdrawal access from Year 1, without paying for a premium bonus or an income rider they don't need | FIA | 7yr | ★ 3.8 | — | — | Review → |
| American Classic 5-Year Buyers who want a modest minimum premium, a five-year locked rate, and a death benefit that waives surrender charges and MVA entirely | MYGA | 5yr | B++ | — | 0.60% | Review → |
| American Fusion MYGIA Accumulation-focused buyers who want a guaranteed 5-year rate plus a shot at an equity-linked bonus, and who can leave the money essentially untouched for the full term | MYGA | 5yr | B++ | — | 14.00% (varies by issue date), payable only if the S&P 500 increases at least 25% over the 5-year term and no withdrawals other than RMDs are taken | Review → |
| MaxGrowth 10 Buyers who want a 10-year principal-protected FIA with a strong current cap and multiple crediting choices, and who won't need money out of the contract in year one | FIA | 10yr | ★ 3.7 | — | — | Review → |
| American Classic 3-Year Shoppers who want a short, clean 3-year locked rate and are comfortable with a smaller, B++-rated carrier | MYGA | 3yr | B++ | — | — | Review → |
| American Select Bonus 7-Year Accumulation-focused buyers who want a day-one account-value bonus and the exclusive uncapped index menu, and who will hold the full seven years without needing meaningful liquidity | FIA | 7yr | ★ 3.5 | — | 12.00% on single premium ages 0-74; 10.00% on single premium ages 75-85 (per ARW, effective 5/19/2026). Vests annually over the 7-year surrender period to a cumulative 100%, reaching full vesting at the start of Year 7. Bonus is fully vested immediately upon death. If surrendered before full vesting, unvested bonus is forfeited. | Review → |
| MaxGrowth 10 Bonus Accumulation-focused buyers who can commit money for the full 10 years, have no near-term liquidity or year-one RMD needs, and want a large upfront account-value bonus with eyes open about how it is paid for | FIA | 10yr | ★ 3.5 | — | 10.00% for issue ages 0-74; 8.00% for issue ages 75-85 in most approved states; the Texas-filed version pays 8.00% / 6.50% | Review → |
| American Select Bonus 10-Year Buyers who are confident they can leave the money untouched for the full 10 years and want a larger starting balance from an upfront premium bonus | FIA | 10yr | ★ 3.4 | — | 16.00% (issue ages 0-74) / 13.00% (issue ages 75-85) (per ARW, effective 5/19/2026) | Review → |
| American Select Bonus Plus 7-Year Accumulation-focused buyers who want the largest up-front premium bonus in this product family, plan to hold the full seven years, and are comfortable with a smaller carrier | FIA | 7yr | ★ 3.4 | — | 16.00% on single premium ages 0-74 (per ARW, effective 5/19/2026); 14.00% on single premium ages 75-85; plus an additional 2.00% one-time bonus at end of year 7 if no withdrawals other than RMDs are taken. Vests annually over the 7-year surrender period to a cumulative 100%. Bonus fully vests immediately upon death. | Review → |
| American Select Bonus Plus 10-Year Legacy-minded buyers who will hold the full 10 years, value the full bonus vesting at death, and understand they are paying for that headline bonus with lower caps and an annual expense | FIA | 10yr | ★ 3.3 | — | 22.00% (issue ages 0-74) / 19.00% (issue ages 75-85) (per ARW, effective 5/19/2026), plus 3.00% one-time Interest Bonus at year 10 if no non-RMD withdrawals taken | Review → |
