Highest Bonus FIA Rates
Over 100 Carriers to Quote From. Here are a few of them!
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.
Compare Today’s Highest FIA Bonuses
Get a side-by-side look at the top annuity carriers and see which offers the best bonus rates right now.
✅ Current Bonus Annuity Offers (as of November 2025)
| Term | Bonus | Provider | Product | AM Best Rating |
|---|---|---|---|---|
| 5 Years | 12% | GILICO | Growth Builder 5 | A- |
| 7 Years | 15% | Am. Life | American Select Bonus | A |
| 8 Years | 3% | Nationwide | New Heights Select | A+ |
| 9 Years | 5% | Americo | Ultimate One | A |
| 10 Years | 23% | Midland National | Index Builder Plus | A+ |
| 14 Years | 29% | North American | NAC Charter Plus | A+ |
| 15 Years | 27% | Athene | Performance Elite Plus | A+ |
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.
FAQs: Highest Bonus FIA Rates
What is a bonus fixed indexed annuity (FIA)?
A bonus FIA is a fixed indexed annuity that gives you an immediate extra credit (a “bonus”) added to your premium when you purchase it. For example, a 10% bonus on $100,000 means your contract starts with $110,000 as the account value (before other credits and fees). Bonuses often come with conditions like longer surrender periods.
How large are the bonuses typically?
Bonuses can range from modest single digits to aggressive double-digit percentages depending on the carrier, contract length, product features, and whether an income rider is included.
Are there trade-offs for getting a high bonus rate?
Yes. Higher bonuses often come with longer surrender charge schedules (i.e. you’re locked in longer), stricter vesting or waiting periods before you can access the full bonus, or fewer liquidity options. It’s important to compare the contract details.
Who benefits most from high-bonus FIAs?
People who have funds they can commit for the term of the contract and want to boost their starting account value—e.g. retirees rolling over funds, or pre-retirees who expect to begin income or withdrawals in 5–10 years. Also useful when trying to offset surrender or other charges.
Do bonus FIAs impact lifetime income guarantees?
They can. Some bonus FIAs include income riders which base payout calculations on the bonus-inflated account or benefit base. However, the bonus may vest over time or have conditions. Make sure to check how the bonus affects income bases vs. account value.
How do surrender charges or vesting work with bonuses?
Often, the bonus isn’t fully yours until after a vesting period, which might require keeping the money in the contract for several years. Also, surrender charges may be high if you withdraw early. Always review the schedule.
How do I compare different bonus FIA offers?
Match up the bonus percentage, surrender period, liquidity (withdrawal options), how the bonus is vested, whether riders are included or cost extra, the crediting methods, and the financial strength of the carrier. It’s not just about the bonus — it’s about the whole contract.
Is a bonus FIA always better than a non-bonus FIA?
Not always. The bonus may look attractive, but if its conditions are restrictive or the cost (in terms of liquidity or fees) offsets the benefit, a lower bonus with more flexibility could be better. Your personal situation matters.
Explore Highest Bonus FIA Rates With an Expert
Our team will review the top carriers, explain all bonus options, and tailor a strategy to your retirement goals.
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