American Life
American Select 10 Year
Rates and specifications only. Our editorial review of this product hasn't been written yet, so there's no star rating or verdict here — the figures below come straight from the carrier's filed rates and brochure.
Type
FIA
Surrender
10 years
Top yield
0.92%
A.M. Best
B++
This carrier is rated below A− (our floor for recommending a product). We still publish its rates and specs, but it will not appear in our recommendations.
Current Rates
Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate. Each row is a variant of the same product.
| Strategy | Method | Rate | Cap | Par | Yield to surrender |
|---|---|---|---|---|---|
| 1 Year Fixed Account | Fixed | 4.75% | — | — | 0.92% |
| 1-Year GS Xenith Annual Point to Point Par | Point to Point | — | — | 200.00% | 0.45% |
| 1-Year Nasdaq-100 Intraday Elite 15% Index Annual Point-to-Point Par | Point to Point | — | — | 70.00% | 0.45% |
| 1-Year S&P 500 Annual Point-to-Point Cap | Point to Point | — | 9.50% | — | 0.45% |
| 1-Year S&P 500 Annual Point-to-Point Par | Point to Point | — | — | 50.00% | 0.45% |
| 1-Year S&P 500 Dynamic Intraday TCA Index Annual Point-to-Point Par | Point to Point | — | — | 75.00% | 0.45% |
| 1-Year S&P 500 MARC 5 ER Annual Point-to-Point Par | Point to Point | — | — | 150.00% | 0.45% |
| 1-Year S&P 500 Scored & Screened Index Annual Point-to-Point Cap | Point to Point | — | 7.25% | — | 0.45% |
| 1-Year S&P 500 Scored & Screened Index Annual Point-to-Point Par | Point to Point | — | — | 50.00% | 0.45% |
| 2-Year GS Xenith Annual Point-to-Point Par | Point to Point | — | — | 275.00% | 0.45% |
| 2-Year Janus SG Guidance Index: Value Lock Point-to-Point Par | Point to Point | — | — | 115.00% | 0.45% |
Surrender Schedule
Yr 1
9%
Yr 2
8.1%
Yr 3
7.2%
Yr 4
6.3%
Yr 5
5.4%
Yr 6
4.5%
Yr 7
3.6%
Yr 8
2.7%
Yr 9
1.8%
Yr 10
0.9%
Product Specifications
- Minimum premium (non-qualified)
- $20,000
- Minimum premium (qualified)
- $20,000
- Maximum issue age
- 85
- Free withdrawal
- 10%
- Free withdrawal (year 1)
- 10%
- Market value adjustment
- true
- Return of premium
- false
- States available
- 32 states
Carrier Brochure
Rates are a snapshot and change frequently. Figures are sourced from the carrier's filed rates via Annuity Rate Watch and refreshed nightly. Nothing here is a recommendation to buy.