At Diversified Insurance Brokers, we work with 100+ top-rated carriers to help clients secure the highest fixed indexed annuity (FIA) bonus rates available. For retirees and pre-retirees looking to maximize upfront account value, FIAs with premium bonuses can be a powerful strategy. These products credit an additional percentage to your deposit at the time of purchase, providing immediate growth potential that compounds over time.

Bonuses can range from modest single digits to more aggressive double-digit credits, depending on the carrier, contract length, and features chosen. It’s important to remember that these bonuses may be tied to specific conditions, such as longer surrender charge schedules or use of an income rider. Our advisors will review the fine print and help you compare options across the marketplace so you can avoid surprises and select the most transparent, beneficial structure for your retirement goals.

How Bonus FIAs Work

When you purchase a bonus FIA, the insurer adds an immediate percentage credit to your initial premium. For example, a $100,000 deposit with a 10% bonus gives you $110,000 of account value on day one. This higher starting value can boost both accumulation and future income guarantees. However, some contracts require you to keep funds in the annuity for a set number of years to fully vest in the bonus. We’ll guide you through the details so you understand exactly how each bonus works.

Who Bonus FIAs Are Best For

Bonus FIAs are often a fit for:

• Retirees rolling over funds who want an immediate boost in value.
• Pre-retirees preparing for income within the next 5–10 years.
• Investors looking to offset surrender charges when exchanging from another annuity.
• Clients seeking both growth and guaranteed lifetime income with added upfront advantages.

Because every carrier sets unique rules around how bonuses are applied and vested, professional guidance is key. Diversified Insurance Brokers compares options from across the industry to ensure you find the annuity that matches both your short-term and long-term goals.

✅ Current Bonus Annuity Offers (as of Aug 2025)

Bonus amounts apply to the initial premium and may vary by state availability, rider selection, and contract terms. Some products also include guaranteed lifetime income, enhanced death benefits, or liquidity features.

Work With Our Advisors

Choosing the right bonus FIA isn’t just about the highest percentage—it’s about making sure the contract fits your liquidity needs, income timing, and long-term goals. At Diversified Insurance Brokers, our experienced advisors explain all the trade-offs clearly so you can make confident, informed decisions.