American Select 10 Series Bonus Plus (EIC) Rate & Reviews

American Select 10 Series Bonus Plus (EIC)

American Select Bonus Plus Earn an even larger bonus to maximize your upfront earnings potential (small annual policy fee applies).

Premium Bonus: You receive an immediate bonus to your upfront initial Premium that vests over 10 years and earns interest.

Interest Bonus: An additional amount added to your Contract Value as interest at your 10th anniversary, if no voluntary withdrawals were made up to that point. If no withdrawals other than RMDs - 3.0% of Contract Value at the end of 10th Year.

Available in states: AZ, CO, DC, HI, ID, IL, IN, IA, KS, LA, MI, MO, MT, NE, NV, NM, OH, OK, OR, TX, and UT

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	4.4% Fixed
2-Year Janus SG Guidance Index Value Lock PTP Participation Rate	Point to Point Biennial	85% Participation
1-Year S&P MARC 5% ER PTP Participation Rate	Point to Point Annual	110% Participation
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	33% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	9% Cap
2-Year GS Xenith PTP Participation Rate	Point to Point Biennial	200% Participation
1-Year GS Xenith PTP Participation Rate	Point to Point Annual	150% Participation
1-Year S&P 500 ESG PTP Participation Rate	Point to Point Annual	33% Participation
1-Year S&P 500 ESG PTP Cap	Point to Point Annual	5% Cap

Surrender schedule

Year	1	2	3	4	5	6	7	8	9	10
Penalty	9%	8%	7%	6%	5%	5%	4%	3%	2%	1%

Riders

Name	Inbuilt	Fee
Hypothetical rider fee	Yes	0.80% annually (0.00% after 7 years)