North American — Turn Today’s Strategy Into Tax-Free Lifetime Income Potential
A partial Roth conversion approach using Income Pay Pro® fixed index annuity
With higher Lifetime Payment Percentages (LPPs), now is a great time to revisit the partial Roth conversion strategy with Income Pay Pro® fixed index annuity (FIA).
For clients considering a Roth conversion, this strategy can help spread taxes over multiple years while creating tax-free, guaranteed lifetime income¹ potential.
American Equity — IncomeShield10 /IncomeShield Bonus 10
Effective September 23, 2026, payout factors are increasing on the IncomeShield 10 and IncomeShield Bonus 10.
Note: Does not apply to California products
Applications received prior to September 23, 2026, and issued September 23, 2026 or after, will receive the new payout factors
ASPIDA — Rate & Bonus Increase (Effective 9/22/2026)
Synergy Choice™ Max — Increases
S&P 500, 5-Yr Duration, 1-Year Point-to-Point Cap Rate: +10% (both 5-Yr and 10-Yr)
Invesco QQQ Growth Index, 1-Year Point-to-Point Cap Rate (all durations): +15%
Invesco QQQ Growth Index, 2-Year Point-to-Point Participation Rate (all durations): +120%
Synergy Choice™ Bonus — Increases
5-Year S&P 500, 1-Year Point-to-Point Cap Rates
5-Year Invesco QQQ Growth Index, 1-Year Point-to-Point Cap Rates
Synergy Choice™ Bonus — 10-Year Premium Bonus Update
Effective for applications submitted on or after 9/22/2026 (excludes CA):
Ages 18–75: 18%
Ages 76–80: 15%
Applications submitted before 9/22/2026 are issued under the current rates:
Ages 18–75: 17%
Ages 76–80: 14%
American Life — American Select and MaxGrowth10 FIAs
New: Nursing Home Benefit Rider included automatically on all American Select and MaxGrowth 10 FIAs
Effective: October 1, 2026
With American Select and MaxGrowth 10 FIAs, contract owners confined to a nursing home will soon be able to liquidate up to the full contract value, penalty-free, through a Nursing Home Benefit Rider, provided the necessary conditions are met. The benefit will be automatically included at no additional charge on all contracts issued on and after October 1, 2026.
The Significance Shortlist
Your go-to guides for current rates, bonuses, and strategies:
Index Performance Review · Visual look at the growth and fluctuation patterns of top FIA indexes
Guaranteed Growth Guide · Highest MYGA rates available now, organized by term
Bonus Product Lineup · Carriers and products offering the strongest bonus opportunities
For Financial Professional Use Only. Product features, rates, and bonuses are subject to change and may vary by state. Advisors should confirm current terms directly with each carrier before recommending. All firms should seek guidance from their applicable compliance resource prior to implementation.