Knighthead Life review

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

Carrier strength

A-

A.M. Best

Products30

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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 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 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 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 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 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 →
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 →
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 →

Frequently asked questions

Is Knighthead Life a good annuity company?

We have reviewed 12 Knighthead Life products, and A.M. Best rates the carrier A- for financial strength.

What is the surrender period for Knighthead Life annuities?

Surrender periods on Knighthead 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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