American Life review

Annuity Atlas covers 11 American Life annuity products with live rates and contract specs. 11 carry full editorial reviews.

Carrier strength

B++

A.M. Best

Products11

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Products covered

A.M. Best

B++

Categories covered

FIA · MYGA

11 American Life annuities

Click any product for rates, specs, and the full peer-group review.

Product	Type	Surrender	Rating	Income rider	Bonus
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++	—	—	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 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++	—	Bonus	Review →
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	B++	—	—	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	B++	—	—	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	B++	—	16% (through age 74) / 13% (ages 75–85)	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	B++	—	12% (through age 74) / 10% (ages 75–85)	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	B++	—	22% (through age 74) / 19% (ages 75–85)	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	B++	—	16% (through age 74) / 14% (ages 75–85)	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	B++	—	—	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	B++	—	10% (through age 74) / 8% (ages 75–85)	Review →

Frequently asked questions

Is American Life a good annuity company?

We have reviewed 11 American Life products, and A.M. Best rates the carrier B++ for financial strength.

What is the surrender period for American Life annuities?

Surrender periods on American Life's current lineup run 3–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply — the product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability: Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength: A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail: The carrier's own brochure — minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.

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