American Life
Maxgrowth 10 Bonus
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
1.81%
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 |
|---|---|---|---|---|---|
| Fixed Rate | Fixed | 4.00% | — | — | 1.81% |
| Fixed Rate | Fixed | 3.90% | — | — | 1.80% |
| Fixed Rate | Fixed | 3.70% | — | — | 1.59% |
| S&P 500 Annual Point-to-Point with Cap | Point to Point | — | 8.50% | — | 1.41% |
| S&P 500 Annual Point-to-Point with Performance Trigger | Performance Triggered | — | 4.75% | — | 1.41% |
| S&P 500 Market Agility 10 Annual Point-to-Point with Participation Rate | Point to Point | — | — | 80.00% | 1.41% |
| Schroders Global Compass Annual Point-to-Point with Participation Rate | Point to Point | — | — | 100.00% | 1.41% |
| S&P 500 Annual Point-to-Point with Cap | Point to Point | — | 8.00% | — | 1.41% |
| S&P 500 Annual Point-to-Point with Performance Trigger | Performance Triggered | — | 4.50% | — | 1.41% |
| S&P 500 Market Agility 10 Annual Point-to-Point with Participation Rate | Point to Point | — | — | 75.00% | 1.41% |
| Schroders Global Compass Annual Point-to-Point with Participation Rate | Point to Point | — | — | 95.00% | 1.41% |
| S&P 500 Annual Point-to-Point with Cap | Point to Point | — | 7.25% | — | 1.23% |
| S&P 500 Annual Point-to-Point with Performance Trigger | Performance Triggered | — | 4.00% | — | 1.23% |
| S&P 500 Market Agility 10 Annual Point-to-Point with Participation Rate | Point to Point | — | — | 65.00% | 1.23% |
| Schroders Global Compass Annual Point-to-Point with Participation Rate | Point to Point | — | — | 70.00% | 1.23% |
Surrender Schedule
Yr 1
9.3%
Yr 2
8.4%
Yr 3
7.5%
Yr 4
6.6%
Yr 5
5.7%
Yr 6
4.8%
Yr 7
3.85%
Yr 8
2.9%
Yr 9
1.9%
Yr 10
0.9%
Yr 11
0%
Product Specifications
- Minimum premium (non-qualified)
- $20,000
- Minimum premium (qualified)
- $20,000
- Maximum issue age
- 85
- Free withdrawal
- 5%
- Free withdrawal (year 1)
- 0%
- Market value adjustment
- true
- Return of premium
- false
- States available
- 1 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.