Imagine getting a guaranteed 40% boost on your retirement savings—without market risk. With the 40% Bonus Annuity, your premium automatically grows to at least 140% of its original value after 10 years. That means a $100,000 deposit becomes a guaranteed $140,000—plus the potential to earn even more from index-linked growth.

How the 40% Bonus Works

• Guaranteed Growth: Your premium vests at 4% per year, reaching a minimum of 140% after 10 years.
• Example: Invest $250,000 → guaranteed $350,000 after 10 years (plus any index growth).
• Day-One Legacy Value: If used for death benefit payouts, beneficiaries can access up to 140% of your premium immediately (when taken as monthly income).
• Flexible Index Options: Choose from S&P 500® strategies with caps, participation rates, or performance triggers.
• Liquidity Options: Access up to 7% annually penalty-free after year one, plus nursing home and terminal illness riders included at no extra cost.

Why Choose a 40% Bonus Annuity?

• Lock in a 40% guaranteed increase over 10 years.
• Protect your principal from market losses.
• Potentially earn more through index growth.
• Enhance your income rider payouts for retirement income planning.
• Leave a stronger legacy with boosted death benefits.

Case Example

David, age 60, invests $500,000 into a 40% Bonus Annuity. After 10 years, his account is guaranteed to be worth at least $700,000. With index gains, his account may be worth even more—all while avoiding stock market risk. If he passes away, his beneficiaries could access the full boosted amount immediately through payout options.

What’s Next?

The 40% Bonus Annuity is designed for conservative investors, pre-retirees, and retirees who want guaranteed growth combined with upside potential. With access to 75+ carriers, we’ll help you compare this option against other leading fixed and indexed annuities to see which is right for your goals.  You can compare the other fixed and bonus annuity rates here.