The Best Bonus Annuities

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Top Annuities with Bonuses

When planning for retirement, selecting an annuity with a bonus can significantly enhance your financial future. Here are some of the top annuities offering substantial bonuses:

  1. Athene Performance Elite PLUS 15:
    • Bonus: Up to 20%
    • Term: 15 years
    • Features: This annuity provides a significant initial bonus, adding a substantial amount to your investment right away. The 15-year term ensures long-term growth, making it an ideal choice for those looking to maximize their retirement savings over a prolonged period.
  2. North American Secure Horizon Plus:
    • Bonus: Up to 20%
    • Term: 10 years
    • Features: With a 10-year term, this annuity offers a shorter commitment while still providing a substantial bonus. It’s perfect for individuals who want to see significant growth in a relatively shorter time frame.
  3. Midland IndexBuilder 14:
    • Bonus: Up to 20%
    • Term: 14 years
    • Features: Offering a balanced approach with a 14-year term, this annuity ensures a strong bonus while allowing for flexible retirement planning.

Other Bonus Annuities We Like

AnnuityLengthRatingBonus (Up To)
American Select Bonus Plus10 yearsB++18%
Athene BCA 12 2.012 YearsA13%
American Select 7 Series Bonus Plus7 yearsB++12%
Athene Performance Elite 10 Plus10 yearsA18%
Equitrust MarketPower Bonus14 yearsB++12%
F&G Performance Pro10 yearsA-15%
Athene Performance Elite 1515 yearsA15%
Athene Performance Elite 1010 yearsA12%
North American Charter Plus 1414 yearsA+13%
Athene BCA 10 2.010 yearsA14%
Midland IndexBuilder 1010 yearsA+19%
Americo LibertyMark 10 Plus10 yearsA7%
North American Charter Plus 1010 yearsA+19%
Athene Performance Elite 7 Plus7 yearsA6%
Athene BCA 8 2.08 yearsA10%
Fidelity & Guaranty Accelerator Plus 1010 yearsA-9%
Fidelity & Guaranty Prosperity Elite 77 yearsA-4%
Americo ClassicMark 10 Plus10 yearsA4%
AIG Power Select Builder 88 yearsA10%
American Select 10 Series Bonus10 yearsB++12%
American Select 7 Series Bonus7 YearsB++8%

Key Features of Bonus Annuities

  • Initial Bonus Percentage: When you invest in a bonus annuity, you receive an immediate boost to your investment through an initial bonus. This percentage can significantly increase your principal amount, enhancing your overall growth potential.
  • Vesting Schedule: The bonus becomes fully yours over time through a vesting schedule. This schedule outlines the period over which the bonus is gradually vested, ensuring you stay committed to your annuity plan to reap the full benefits.
  • Surrender Charges: While bonus annuities offer attractive initial benefits, they also come with surrender charges for early withdrawals. It’s crucial to understand these charges to avoid penalties that could diminish your investment returns.
Bonus Annuities

How We Can Help

At The Annuity Expert, we understand the core problem many face when planning for retirement: maximizing savings while minimizing risks. You’ve worked hard for your money, and it’s vital to ensure it grows efficiently and safely. The primary issue is finding the right investment vehicle that offers substantial growth without unnecessary complexity or hidden fees.

Financial uncertainty can lead to stress, anxiety, and a lack of confidence in your retirement plans. Each symptom, from worrying about market volatility to feeling overwhelmed by the number of investment options, can significantly impact your peace of mind.

With over 15 years of experience as an insurance agency, annuity broker, and retirement planner, The Annuity Expert is dedicated to helping you find the best solutions at the lowest costs. We believe in transparency, reliability, and putting your needs first.

Bonus Annuities

What We Recommend

  • Taking the First Step
    • Schedule a free consultation with our expert advisors.
    • Assess your financial situation, retirement goals, and risk tolerance.
    • Benefit: Gain clarity and confidence in your retirement plan with tailored professional guidance.
  • Moving Forward
    • Present a customized annuity plan with substantial bonuses and favorable terms.
    • Explain each option in detail, including benefits and potential drawbacks.
    • Benefit: Have a clear, actionable plan that aligns with your financial goals.
  • Achieving Financial Security
    • Implement the recommended annuity plan.
    • Enhance your financial security and peace of mind.
    • Benefit: Maximize and protect your retirement savings, allowing you to enjoy your retirement years.

Features and Benefits

  • Personalized Advice: Tailored recommendations that suit your unique financial situation.
  • Transparent Process: Clear explanations of all terms, fees, and benefits.
  • Comprehensive Support: Ongoing support and reviews to ensure your plan remains aligned with your goals.

Common Objections

  • High Fees: Our annuities are selected to offer the best value, with transparent fee structures that ensure you get the most from your investment.
  • Complexity: We simplify the process, providing clear, easy-to-understand guidance at every step.
  • Risk Concerns: We focus on stable, reliable annuities that protect your principal while offering growth.

Failing to plan for your retirement can lead to financial instability and stress. Working with us ensures a well-structured, secure retirement plan. This maximizes your savings and provides peace of mind.

Ready to secure your financial future? Contact The Annuity Expert today for free advice or a free quote. Your path to a confident and comfortable retirement starts here.

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Questions From Our Readers

Which annuity has the highest bonus?

Athene Performance Elite 15 Plus offers a 20% premium bonus.

What type of annuity adds a bonus?

Certain annuities, such as fixed index or variable annuities, may offer bonus features. These bonuses are typically added to the initial premium or account value to enhance potential returns.

What is the most common bonus in a bonus annuity?

The most common type of bonus in a bonus annuity is a percentage bonus, where the insurance company adds a predetermined percentage of the initial premium to the account value.

What is a first-year bonus “teaser” rate?

A first-year bonus rate is a variant of the traditional declared-rate interest-crediting approach that insurance companies use to boost their marketing efforts. This type of annuity is generally referred to as a bonus annuity.

What are the best bonus annuities?

Best bonus annuities are a type of retirement investment that offers a higher upfront bonus, typically a percentage of the premium paid. This bonus can provide an immediate boost to the account value, allowing investors to potentially earn more over time. It’s important to carefully consider the terms and conditions before investing in the best bonus annuities, as they may come with higher fees or longer surrender periods.

What is a premium bonus annuity?

A premium bonus annuity is an insurance product that offers an additional bonus to the policyholder upon purchasing the annuity. This bonus is typically a percentage of the premium amount and is designed to provide an extra incentive for individuals to invest in the annuity. It can be a valuable feature for those seeking to maximize their returns and secure their financial future.

In what contract year is the “bonus” in a bonus annuity contract normally credited?

The “bonus” in a bonus annuity contract is typically credited in the first contract year. Bonus annuities offer an additional percentage added to your initial investment, serving as an incentive for choosing the annuity. This upfront bonus is meant to attract new customers. Still, it’s essential to consider the terms, including higher fees or longer surrender charge periods, which could offset the bonus’s initial benefit over the annuity’s life.

I saw an advertisement for high guaranteed returns or large bonuses. Is this too good to be true?

Yes, advertisements promising high guaranteed returns or large bonuses can indeed be too good to be true. Brokers, agents, and financial advisors often use such enticing features to encourage potential clients to share their contact information. While Multi-Year Guaranteed Annuities (MYGAs) may offer guaranteed returns, any promises of more than a 20% bonus or guaranteed returns north of 6% are often not what they seem. Typically, these are not outright guarantees or bonuses you can take as a lump sum; instead, they are often structured for lifetime income payments. Therefore, it’s important to be cautious and thoroughly understand the terms and conditions of such offers. If something seems overly advantageous, it’s wise to approach it with skepticism and seek professional advice.

What’s the highest premium bonus for a 10-year term annuity?

As of June 2024, North American Secure Horizon Plus offers a 20% premium bonus.

Are there any bonus annuities with a company that offers a guaranteed fixed interest rate for 10 years?

Yes, most bonus annuities (fixed-indexed annuities) offer a guaranteed fixed interest rate option, but the rate can change annually based on the current interest rate environment.

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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