Axonic Insurance Annuities

Axonic Insurance Product Types & Features

Axonic Insurance primarily offers multi-year guaranteed annuities and fixed index annuities, all issued by AmFirst Insurance Company and powered and designed by Axonic Insurance. The company provides two tiers of products: a flagship lineup available broadly through financial professionals, and a channel-exclusive suite available only through banks, broker-dealers, and RIAs.

Axonic Flagship Annuities

Axonic’s core product lineup is available through insurance brokers, wealth managers, and registered investment advisors nationwide.

Waypoint | MYGA

The Waypoint MYGA is Axonic’s flagship multi-year guaranteed annuity, offering a guaranteed interest rate for the full duration of the contract term. Available in 2, 3, 5, 7, and 10 year periods, it delivers predictable, safe growth without exposure to market risk. Most contracts allow penalty-free withdrawals of up to 10% annually after the first contract year, and typically include terminal illness and nursing home confinement waivers.

Who It Works Best For: Conservative savers who want guaranteed, predictable returns and are comfortable locking up funds for a defined term.

Trailhead | FIA

The Trailhead FIA is Axonic’s base fixed index annuity, available in 5-, 7-, and 10-year periods. It combines the security of principal protection with the potential for market-linked index growth, including options tied to indexes such as the S&P 500. A declared fixed interest rate option is also available, which resets annually.

Who It Works Best For: Savers who want to protect their principal while maintaining upside potential tied to market performance.

Trailhead PLUS | FIA

The Trailhead PLUS builds on the base Trailhead FIA, available in 5, 7, and 10 year periods, while adding a Premium Bonus Rider that rewards buyers at contract inception. It retains the same index-linked growth potential and principal protection as the base product.

Who It Works Best For: Buyers who want the full features of the Trailhead FIA with the added benefit of a premium bonus at the start of their contract.

Comparison of Axonic Flagship Annuities

Product	Type	Term Options	Key Features	Best Fit
Waypoint MYGA	MYGA	2, 3, 5, 7, 10 Years	Guaranteed fixed rate, 10% annual free withdrawal after year 1, emergency waivers	Conservative savers wanting predictable guaranteed returns
Trailhead FIA	FIA	5, 7, 10 Years	Principal protection, index-linked growth, fixed rate option	Savers wanting growth potential with downside protection
Trailhead PLUS FIA	FIA	5, 7, 10 Years	All Trailhead FIA features plus Premium Bonus Rider	Buyers wanting index growth with an upfront premium bonus

Axonic Channel-Exclusive Annuities

A curated suite of annuities available exclusively through banks, broker-dealer (BD), and registered investment advisor (RIA) platforms, tailored to align with the needs of these channel-specific clients and distribution models.

Incline | MYGA (Banks & Broker-Dealers Only)

Available in 3, 5, 7, and 10 year periods, the Incline MYGA provides competitive fixed-rate returns exclusively through bank and broker-dealer channels. Like the Waypoint, it delivers the safety of a guaranteed rate for the full contract term.

Who It Works Best For: Bank and BD clients who want a straightforward, guaranteed fixed-rate annuity with no market exposure.

Skyline | MYGA (RIAs Only)

Available in 2, 3, 5, 7, and 10 year periods, the Skyline MYGA is the RIA-channel counterpart to the Incline, offering guaranteed fixed-rate returns exclusively through registered investment advisors. Its broader term range gives advisors more flexibility when building client portfolios.

Who It Works Best For: RIA clients seeking a no-commission, fee-friendly MYGA option with a wide range of available term lengths.

HighLine | FIA (Banks & Broker-Dealers Only)

Available in 5, 7, and 10 year periods, the HighLine FIA delivers the security of principal protection paired with the potential for market-linked index growth, available exclusively through bank and broker-dealer platforms.

Who It Works Best For: Bank and BD clients who want index-linked growth potential with downside protection.

HighLine PLUS | FIA (Banks & Broker-Dealers Only)

Available in 5, 7, and 10 year periods, the HighLine PLUS FIA builds on the base HighLine FIA with the addition of a Premium Bonus Rider, exclusively available through bank and broker-dealer platforms.

Who It Works Best For: Bank and BD clients who want the full HighLine FIA experience with an upfront premium bonus.

Comparison of Axonic Channel-Exclusive Annuities

Product	Type	Available Through	Term Options	Key Features	Best Fit
Incline MYGA	MYGA	Banks & BDs	3, 5, 7, 10 Years	Guaranteed fixed rate	Bank/BD clients wanting guaranteed returns
Skyline MYGA	MYGA	RIAs	2, 3, 5, 7, 10 Years	Guaranteed fixed rate, broadest term range	RIA clients wanting a fee-friendly MYGA
HighLine FIA	FIA	Banks & BDs	5, 7, 10 Years	Principal protection, index-linked growth	Bank/BD clients wanting index-linked growth with protection
HighLine PLUS FIA	FIA	Banks & BDs	5, 7, 10 Years	HighLine FIA features plus Premium Bonus Rider	Bank/BD clients wanting index growth with an upfront bonus

Customer Satisfaction and Complaint History

Axonic Insurance was launched in January 2024 as a subsidiary of Axonic Capital, a $4.3 billion asset management firm with deep expertise in structured credit, commercial real estate, and systematic fixed income. All Axonic annuities are issued by AmFirst Insurance Company, which holds an A– (Excellent) rating from AM Best, indicating strong claims-paying ability.

Axonic Insurance is notable for its InsurTech platform, which the company built to shorten time to market, streamline electronic applications, and integrate annuity products into broader financial planning workflows. Products are distributed exclusively through financial professionals — Axonic does not sell directly to consumers.

As a newer entrant to the market, Axonic does not yet have established J.D. Power rankings or long-term NAIC complaint history. However, its backing by an experienced institutional asset manager and its A– rated issuer provide meaningful financial stability indicators for potential buyers.

Things to Consider

• New Brand: Axonic launched in 2024, meaning there is limited long-term consumer track record compared to legacy carriers.
• No Direct Sales: All products must be purchased through a licensed financial professional.
• No Lifetime Income Riders on MYGAs: MYGA products do not include a Guaranteed Lifetime Withdrawal Benefit (GLWB); income is available through annuitization or pairing with another product.
• Penalty-Free Withdrawals: Most contracts allow 10% annual penalty-free withdrawals after the first contract year.
• Emergency Waivers: Terminal illness and nursing home confinement waivers are typically included.
• Funding Types: Accepts IRA rollovers, Roth IRAs, SEP IRAs, SIMPLE IRAs, and non-qualified funds.

Manage Your Axonic Annuity Online

Axonic Life’s secure online account portal makes it simple to view your contract details, monitor performance, and manage your annuity. Applications are processed electronically through Hexure’s FireLight platform for a streamlined, in-good-order experience.