Annuity Atlas
As of Oct 26 · B++ or betterAll rates →

Expert review · 2026

Axonic Insurance review

Annuity Atlas covers 12 Axonic Insurance annuity products with live rates and contract specs. 11 carry full editorial reviews.

A.M. Best

A-

Insurer claims-paying rating

Products tracked
12
MYGA yield (lineup max)
6.15% · 5yr · Waypoint MYGA 5
Income on $500K (benchmark)
$50,000/yr · Trailhead 10 Income
Surrender range
2–10 years
Rate as of Oct 19, 2026
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Products covered
12
A.M. Best
A-
Categories covered
MYGA · FIA

12 Axonic Insurance annuities

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

Savers who want a mid-length, fully guaranteed lock-up (long enough to compound meaningfully, short enough to avoid a decade-long commitment) without a premium bonus or rider fees complicating the rate
A-
A.M. BEST
MYGA5-YR SURRENDER
Review →
Savers who want a locked, guaranteed rate for a short-to-medium window without tying up money for five-plus years
A-
A.M. BEST
MYGA3-YR SURRENDER
Review →
Savers who want a locked 7-year rate with a straightforward structure and no rider complexity
A-
A.M. BEST
MYGA7-YR SURRENDER
Review →
Savers who want the longest lock in Axonic's Waypoint MYGA ladder and value a built-in nursing home confinement waiver alongside a straightforward rate guarantee
A-
A.M. BEST
MYGA10-YR SURRENDER
Review →
Savers who want a short, guaranteed lock-up on money they'll need again in roughly two years, or who are using this as the front rung of a MYGA ladder rather than a long-term retirement placement
A-
A.M. BEST
MYGA2-YR SURRENDER
Review →
FIA10-YR SURRENDERINCOME RIDER 0.95% annually FEE
Details →
Buyers with a genuine 10-year time horizon who want index-linked growth potential and principal protection, without needing an income rider
A-
A.M. BEST
FIA10-YR SURRENDER
Review →
Buyers who want a clean 5-year fixed indexed annuity with no rider fees and a built-in nursing-home/terminal-illness liquidity waiver, and who don't need an income rider
A-
A.M. BEST
FIA5-YR SURRENDER
Review →
Retirement savers with a roughly seven-year horizon who want several indexed-crediting choices and don't need an income rider
A-
A.M. BEST
FIA7-YR SURRENDER
Review →
Buyers who want extra account value credited at issue and plan to hold the full 10-year term so both the surrender schedule and the bonus vesting run their course
A-
A.M. BEST
FIA10-YR SURRENDERBONUS 20%
Review →
Buyers who want an account-value bonus credited at issuance and are willing to trade lower headline caps and participation rates for it
A-
A.M. BEST
FIA5-YR SURRENDERBONUS 13%
Review →
Buyers with a lump sum who want an immediate account-value boost and can leave the money alone for seven years
A-
A.M. BEST
FIA7-YR SURRENDERBONUS 18%
Review →

What you could receive

Live projection for Trailhead 10 Income with Trailhead Income GLWB, single life, issue age 62, income beginning at age 65. Illustrative, not a quote; figures refresh from Annuity Rate Watch.

PremiumMonthlyAnnual
$250,000$2,083$25,000
$500,000$4,167$50,000
$1,000,000$8,333$100,000

Income rider fees

Disclosed charges for optional riders on Axonic Insurance products, live from Annuity Rate Watch. Product-level detail is on each review.

RiderProductFee
Trailhead Income GLWBTrailhead 10 Income0.95% annually

Frequently asked questions

Is Axonic Insurance a good annuity company?
We have reviewed 11 Axonic Insurance products, and A.M. Best rates the carrier A- for financial strength.
How much income can I get from a Axonic Insurance annuity?
Income depends on your premium, age, and start date. At our benchmark scenario (single life, issue age 62, income beginning at age 65), Axonic Insurance's highest-paying income product (Trailhead 10 Income) currently projects about $50,000 per year on a $500,000 premium, or $25,000 on $250,000. Figures are illustrative, based on live Annuity Rate Watch data, and are not a quote.
What are the fees for Axonic Insurance annuities?
Fee structures vary by product. Optional income riders on Axonic Insurance products carry disclosed charges, for example Trailhead Income GLWB (Trailhead 10 Income): 0.95% annually . See each product review for the full fee detail.
What is the surrender period for Axonic Insurance annuities?
Surrender periods on Axonic Insurance's current lineup run 2–10 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.

See your Axonic Insurance income projection

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