Expert review · 2026

Knighthead Life review

Annuity Atlas covers 30 Knighthead Life annuity products with live rates and contract specs. 12 carry full editorial reviews.

How we rank →Today's rates →

A.M. Best

A-

Insurer claims-paying rating

Products tracked: 30
MYGA yield (lineup max): 6.05% · 7yr · Staysail 7-Year
Surrender range: 3–10 years

Rate as of Oct 19, 2026

Start my comparison

Products covered

A.M. Best

A-

Categories covered

MYGA · FIA

30 Knighthead Life annuities

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

Product	Type	Surrender	Rating	Income rider	Bonus
Staysail 7-Year Savers who want one of the stronger locked 7-year guaranteed yields on the market and don't need routine access to more than their RMD each year	MYGA	7yr	A-	—	—	Review →
Staysail 5-Year Buyers who want a straightforward 5-year locked-rate contract and don't expect to need withdrawal access before the term ends	MYGA	5yr	A-	—	—	Review →
Staysail 3-Year Savers with money they are certain they will not need for three years, who value a step-down surrender schedule and built-in extended-care/terminal-illness access over day-to-day liquidity	MYGA	3yr	A-	—	—	Review →
Staysail 5-Year with Liquidity Rider Savers who want a 5-year locked rate but also want guaranteed access to 10% of their money each year without penalty	MYGA	5yr	A-	—	—	Review →
Staysail 3-Year with Liquidity Rider Savers parking money for three years who want a locked, guaranteed rate but also want the standing option to pull up to 10% out each year without a penalty	MYGA	3yr	A-	—	—	Review →
Staysail 7-Year with Liquidity Rider Savers who want a locked 7-year rate but also want a guaranteed, penalty-free way to pull 10% a year if plans change	MYGA	7yr	A-	—	—	Review →
Chartline 10 American Benchmark Collection Model	FIA	10yr	A-	—	—	Details →
Chartline 10 Cap Amplifier Model	FIA	10yr	A-	—	—	Details →
Chartline 10 Global Diversified Balance Model	FIA	10yr	A-	—	—	Details →
Chartline 10-Year Buyers with a genuine 10-year horizon who want indexed growth potential, a bailout safety valve if renewal rates drop, and don't need an income rider	FIA	10yr	A-	—	—	Review →
Chartline 5 American Benchmark Collection Model	FIA	5yr	A-	—	—	Details →
Chartline 5 Cap Amplifier Model	FIA	5yr	A-	—	—	Details →
Chartline 5 Global Diversified Balance Model	FIA	5yr	A-	—	—	Details →
Chartline 5-Year Buyers who want the shortest surrender commitment in the Chartline lineup, a broad index menu, and built-in care-related liquidity protections without paying a rider fee	FIA	5yr	A-	—	—	Review →
Chartline 7 American Benchmark Collection Model	FIA	7yr	A-	—	—	Details →
Chartline 7 Cap Amplifier Model	FIA	7yr	A-	—	—	Details →
Chartline 7 Global Diversified Balance Model	FIA	7yr	A-	—	—	Details →
Chartline 7-Year Buyers who want a mid-length, no-rider-fee accumulation FIA with a deep crediting menu and a free chronic-illness waiver built in	FIA	7yr	A-	—	—	Review →
Chartline Bonus 10 American Benchmark Collection Model	FIA	10yr	A-	—	—	Details →
Chartline Bonus 10 Cap Amplifier Model	FIA	10yr	A-	—	—	Details →
Chartline Bonus 10 Global Diversified Balance Model	FIA	10yr	A-	—	—	Details →
Chartline Bonus 10-Year Buyers moving money via a 1035 exchange who want an immediate account-value bump to offset a surrender charge elsewhere, plan to hold the full 10 years so the bonus finishes vesting, and don't need top-of-market index-crediting upside	FIA	10yr	A-	—	20% (through age 75) / 10% (ages 76–80)	Review →
Chartline Bonus 5 American Benchmark Collection Model	FIA	5yr	A-	—	—	Details →
Chartline Bonus 5 Cap Amplifier Model	FIA	5yr	A-	—	—	Details →
Chartline Bonus 5 Global Diversified Balance Model	FIA	5yr	A-	—	—	Details →
Chartline Bonus 5-Year Buyers who want a larger guaranteed floor and an upfront account-value bonus and are willing to trade away index-cap ceiling to get it	FIA	5yr	A-	—	10% (through age 75) / 5% (ages 76–80)	Review →
Chartline Bonus 7 American Benchmark Collection Model	FIA	7yr	A-	—	—	Details →
Chartline Bonus 7 Cap Amplifier Model	FIA	7yr	A-	—	—	Details →
Chartline Bonus 7 Global Diversified Balance Model	FIA	7yr	A-	—	—	Details →
Chartline Bonus 7-Year Buyers who want an immediate account-value boost on a 7-year fixed indexed contract and are comfortable holding it through the vesting period	FIA	7yr	A-	—	14% (through age 75) / 7% (ages 76–80)	Review →

Staysail 7-Year

Savers who want one of the stronger locked 7-year guaranteed yields on the market and don't need routine access to more than their RMD each year

A-

A.M. BEST

MYGA7-YR SURRENDER

Review →

Staysail 5-Year

Buyers who want a straightforward 5-year locked-rate contract and don't expect to need withdrawal access before the term ends

A-

A.M. BEST

MYGA5-YR SURRENDER

Review →

Staysail 3-Year

Savers with money they are certain they will not need for three years, who value a step-down surrender schedule and built-in extended-care/terminal-illness access over day-to-day liquidity

A-

A.M. BEST

MYGA3-YR SURRENDER

Review →

Staysail 5-Year with Liquidity Rider

Savers who want a 5-year locked rate but also want guaranteed access to 10% of their money each year without penalty

A-

A.M. BEST

MYGA5-YR SURRENDER

Review →

Staysail 3-Year with Liquidity Rider

Savers parking money for three years who want a locked, guaranteed rate but also want the standing option to pull up to 10% out each year without a penalty

A-

A.M. BEST

MYGA3-YR SURRENDER

Review →

Staysail 7-Year with Liquidity Rider

Savers who want a locked 7-year rate but also want a guaranteed, penalty-free way to pull 10% a year if plans change

A-

A.M. BEST

MYGA7-YR SURRENDER

Review →

Chartline 10 American Benchmark Collection Model

A-

A.M. BEST

FIA10-YR SURRENDER

Knighthead Life review

30 Knighthead Life annuities

Frequently asked questions

How we know what's on this page

See your Knighthead Life income projection