Rates
With the TopRidge Bonus Annuity, your clients can allocate their contract value among a variety of index accounts linked to a range of financial indices and varying index terms. Each offers the potential to receive interest credits based on part of the index’s performance, without any downside market risk. The indices with their diverse asset classes and crediting strategies, are designed to behave differently in various market conditions. Below you will see the most recent rates available for the TopRidge Bonus Annuity.
The Fixed Index Account current interest rate is set at the beginning of each Contract Year and will be at least equal to the GMIR. Any purchases made in the first year will have the current interest rate, in effect at that time, applied to the purchase payment.
Includes information on the Guaranteed Interest Rate as applicable. If the contract's GMIR exceeds the Fixed Index Account Current Interest Rate, the GMIR will prevail.
Effective Date: 07/21/2025 | Empty th for screen readers | Empty th for screen readers |
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Premium Bonus | 3.15% | |
Rider Charge1 | 1.80% | |
Index Accounts with Caps | 1-yr Cap | |
S&P 500® Annual Point to Point | 6.00% | |
NASDAQ-100® Annual Point to Point | 6.25% | |
MSCI EAFE Annual Point to Point | 6.75% | |
Russell 2000® Small Cap Annual Point to Point | 6.75% | |
Index Accounts with Participation Rate | 1-yr Par Rate | 2-yr Par Rate |
S&P 500® Annual Point to Point | 38% | |
S&P 500® Dynamic Intraday TCA* | 0.95% | 80% |
Morgan Stanley Global Equity Allocator* | 85% | 120% |
MSCI BofA Dualcast US* | 21.00% | 120% |
SG AI Navigator* | 100% | 135% |
Fixed Account Interest Rate | 50% | 75% |
Fixed Account Guaranteed Minimum Interest Rate (GMIR) | 80% | 120% |
TopRidge Bonus Annuity is a fixed index annuity issued by Security Benefit Life Insurance Company.
1The Rider Charge is only for the Cumulative Free Withdrawal Rider and only during the Surrender Charge Period. For more information, please refer to the Statement of Understanding (SOU).
2GMIR effective for new contracts issued on or after 09/30/2024. Please refer to the TopRidge Bonus Annuity Statement of Understanding for specifics about guaranteed minimum caps, guaranteed maximum spreads, and guaranteed minimum participation rates.
*This Index Account has an Annual Spread that is currently set at 0% but is subject to change. The Annual Spread is set at our discretion at the beginning of each Index Term based upon various factors, including market conditions, but it will never be greater than the Guaranteed Maximum Annual Spread.
Rates are effective for applications received in good order on or after the date indicated above. Rates may be changed at any time without advance notice, and the rates set forth herein may not be available at the time an application is received or at the time a contract is issued by Security Benefit. Refer to the Interest rate-lock program for complete details. For product rate history call our Service Center at 800.888.2461. For product information, visit our product page.
In Iowa, only the S&P 500® Annual Point to Point (Cap and Par Rate), Nasdaq-100®, MSCI EAFE, Russell 2000® Small Cap crediting options, and the Fixed Account are available for allocation.