Axonic Trailhead Fixed Indexed Annuity – Market Growth with Downside Protection and Flexible Terms
Flexible, Powerful Growth with Principal Protection
At Diversified Insurance Brokers, we understand that clients want choices—especially when it comes to balancing growth, safety, and income. The Axonic Trailhead Fixed Indexed Annuity, issued by AmFirst Insurance Company and distributed by Axonic Insurance Services, offers a well-structured blend of opportunity and protection.
Whether you’re looking to grow assets without risking your principal or convert savings into a stream of income down the road, the Trailhead Annuity is built to meet multiple retirement needs—all with the backing of Axonic Capital’s financial strength and market expertise.
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Index-Based Growth Options with a Safety Net
The Trailhead Annuity offers a wide selection of crediting strategies that allow for participation in market performance—without the fear of loss due to market downturns. Index options include:
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S&P 500 Index
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S&P 500 Dynamic Intraday TCA Index
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DB Foresight X-Asset 10 Index
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Nasdaq-100 Volatility Control 7% Index
For those seeking simplicity and predictability, there’s also a fixed interest rate option that locks in steady, guaranteed growth over time.
Minimum premium starts at $20,000, and premium amounts up to $1,000,000 may be accepted with company approval.
If you’d like to compare current rates and contract options, use our quick Annuity Quote Request Form to receive personalized recommendations.
Liquidity Features and Term Flexibility
One of the standout features of the Trailhead Annuity is its customizable surrender charge schedules—with 5-year, 7-year, and 10-year durations available. This allows clients to align the annuity with their planning horizon.
After the second contract year, you can withdraw up to 10% of the contract value annually without penalty. Additional flexibility is built in through waiver provisions for:
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Nursing home confinement
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Terminal illness
These features offer added peace of mind in the event of a health crisis or the need to access funds unexpectedly.
Reliable Legacy Protection
The Trailhead Annuity also provides a robust death benefit, ensuring that your loved ones receive the greater of your premium, the contract’s accumulation value, or the guaranteed minimum value. It’s a straightforward, efficient way to pass along assets without delay or unnecessary complexity.
Who This Annuity May Be a Good Fit For
The Axonic Trailhead Fixed Indexed Annuity is a strong fit for:
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Individuals who want market-linked growth without risking principal
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Pre-retirees or retirees seeking income options after a short accumulation period
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Clients looking for term flexibility (5, 7, or 10 years) to match their financial plans
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Those seeking a diversified range of index crediting strategies
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Investors who want access to penalty-free withdrawals and emergency liquidity features
It’s especially well-suited for clients who want to preserve and grow non-qualified savings or safely roll over qualified retirement accounts with built-in downside protection.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: Axonic Trailhead Annuity
What is the Axonic Trailhead Annuity?
Trailhead is a fixed indexed annuity designed for long-term accumulation. It offers index-linked interest crediting, principal protection, and a set of allocation choices that aim to deliver controlled growth without direct market risk.
What makes Trailhead different from other FIAs?
Trailhead emphasizes simplified, diversified index options built around volatility-managed strategies. This design focuses on steady, risk-controlled performance rather than aggressive one-year crediting methods.
How does Trailhead credit interest?
Interest is based on your selected index strategies, which may use participation rates, spreads, or multi-year point-to-point methods. Even when a selected index performs poorly, the credited rate cannot be negative.
Does Trailhead include a fixed-rate bucket?
Yes. The annuity typically offers a fixed-interest allocation that allows part of your premium to earn a guaranteed rate alongside your index selections.
What liquidity options does Trailhead provide?
The contract usually includes an annual penalty-free withdrawal allowance. Withdrawals above this amount may trigger surrender charges, especially during the early years of the surrender period.
Can I use IRA or retirement funds to purchase Trailhead?
Yes. The product normally accepts qualified transfers and rollovers from IRAs or employer retirement plans. The transfer process is similar to the workflow shown in our IRA transfer guide.
Does the annuity offer lifetime income features?
Income may be available through annuitization or optional riders, depending on the Trailhead version. However, the primary design is focused on steady accumulation rather than guaranteed lifetime income.
How does Trailhead protect my principal?
Regardless of index performance, your principal is guaranteed. The contract never credits negative interest, and your account value cannot decline due to market volatility.
What happens when the surrender period ends?
After the surrender period, full liquidity becomes available. You may withdraw your value, adjust allocations, or move the funds into another annuity product without penalty.
Who is Axonic Trailhead best suited for?
Trailhead is ideal for savers seeking controlled index exposure, principal protection, and long-term tax-deferred accumulation. It fits individuals who prefer a balanced, stability-oriented FIA rather than high-volatility crediting designs.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
