Growth With No Market Risk
Strong rates for both fixed and index crediting strategies are designed for maximum accumulation and your principal is protected from market loss. Rates vary by state and are subject to change.
Focused on maximizing the potential for growth
MaxGrowth 10 Fixed Indexed Annuity is designed for individuals looking to maximize growth, while also protecting their principal, who are unlikely to need their money for at least 10 years. In addition, MaxGrowth 10 has a bonus option where a Premium Bonus is added to your contract value at issuance and earns interest in parallel with your premium. With MaxGrowth, you have the flexibility to select from a robust fixed rate, four powerful index crediting strategies offered in collaboration with industry leaders, or a customized combination tailored to your unique needs. When markets grow, you gain, but should markets decline, your principal remains protected.
How Does MaxGrowth 10 Work?
When you enter into a contract with American Life and pay an upfront initial premium, you are able to allocate your money among four different index account options and a fixed rate. This allocation can change year to year to meet your changing needs. Your money grows based on the performance of your selected index/indices while your principal remains protected from loss. You aren’t taxed until you make a withdrawal so your money can grow at its full potential. After the first year, you have access to 5% of the Contract Value on the last contract anniversary date or your RMD – whichever is greater. If you’d like to access your full Contract Value after year five, you can take advantage of the 5x5 Annuitization option and your full Contract Value will pay out over the next 5 years without Surrender Charges, Recovery Amount or MVA being applied. The 5x5 Annuitization option is only available if no withdrawals other than RMDs have been made. You can also continue the contract until the 10-year period ends and realize the full potential of MaxGrowth. After 10 years you can withdraw all or some of your account without penalty.
More Options and Flexibility
MaxGrowth offers a bonus option which will credit your initial contract value with a Premium Bonus.
You also have the option to add additional premium during the first 6 months of the contract up to the amount of the initial premium.
A 5x5 Annuitization feature provides access to the full Contract Value after 5 years – paid over 5 years. The 5x5 Annuitization option is only available if no withdrawals other than RMDs have been made.
The Nursing Home Benefit Rider provides you with access to the full Contract Value should a need arise.
You also have the option to add additional premium during the first 6 months of the contract up to the amount of the initial premium.
A 5x5 Annuitization feature provides access to the full Contract Value after 5 years – paid over 5 years. The 5x5 Annuitization option is only available if no withdrawals other than RMDs have been made.
The Nursing Home Benefit Rider provides you with access to the full Contract Value should a need arise.
Plan Allocation Options
We have partnered with some of the top names in investing to offer you a unique set of opportunities to maximize growth.
S&P 500 Index
The S&P 500 follows the top 500 U.S. companies and is one of the most established indices. We offer the option to participate in the index gains at an annual point-to-point with a cap or performance trigger.
S&P 500 Market Agility 10 Index
The S&P 500 Market Agility 10 Index is an equity-bond index that measures the performance of equity and fixed income component indices that each take long or short positions based on momentum and volatility indicators to respond to changing market conditions.
Schroders Global Compass Index
The Schroders Global Compass Index is a global multi-asset index that uses a dynamic allocation to seek positive return opportunities amid changing market conditions. The Index utilizes a rules-based approach to allocate across multiple asset classes, including global equities, government bonds, and energy commodities.
Fixed Account
You may allocate some or all your funds into an account that earns a fixed interest rate for any period during your term. This fixed rate is guaranteed for a 1- year term and will never be below the minimum guaranteed rate in your contract.
S&P 500 Index
The S&P 500 follows the top 500 U.S. companies and is one of the most established indices. We offer the option to participate in the index gains at an annual point-to-point with a cap or performance trigger.
S&P 500 Market Agility 10 Index
The S&P 500 Market Agility 10 Index is an equity-bond index that measures the performance of equity and fixed income component indices that each take long or short positions based on momentum and volatility indicators to respond to changing market conditions.
Schroders Global Compass Index
The Schroders Global Compass Index is a global multi-asset index that uses a dynamic allocation to seek positive return opportunities amid changing market conditions. The Index utilizes a rules-based approach to allocate across multiple asset classes, including global equities, government bonds, and energy commodities.
Fixed Account
You may allocate some or all your funds into an account that earns a fixed interest rate for any period during your term. This fixed rate is guaranteed for a 1- year term and will never be below the minimum guaranteed rate in your contract.
What Makes Us Different?
Founded in 1960 and reimagined in 2018, American Life has been providing financially stable insurance products to customers for over 60 years. In 2023, Antarctica Capital acquired American Life and its parent company Midwest Holding Inc. We are now better positioned than ever to grow and scale our business alongside our partners.
At American Life, we are committed to offering forward-thinking products that are simply designed to help you achieve the retirement you deserve.
American life is secure and highly rated (A.M. Best B++)
At American Life, we are committed to offering forward-thinking products that are simply designed to help you achieve the retirement you deserve.
American life is secure and highly rated (A.M. Best B++)
Benefits of American Life’s MaxGrowth 10 Fixed Indexed Annuity
Available Premium Bonus
If you choose, MaxGrowth offers a premium bonus that is applied to your initial premium.
Exclusive Crediting Options
Available index crediting options are powered by some of the biggest names on Wall Street.
Flexible Premium
You have the option to add additional premium during the first 6 months of the contract.
5x5 Annuitization Option
A 5x5 Annuitization feature provides access to the full Contract Value after 5 years - paid over 5 years. 5x5 Annuitization option is only available if no partial withdrawals have been taken other than RMDs.
Nursing Home Benefit Rider
Should a need arise, the Nursing Home Benefit Rider provides you with access to the full Contract Value after 90-days confinement in a nursing home.
View Product Disclaimers 
Not guaranteed by any bank or credit union - may lose value - not a deposit - not insured by any federal government agency
Guarantees are based on the claims paying ability of American Life & Security Corp. The product features may vary by state. The indexes available are subject to change and are not available for direct investment. Contact American Life for the most current rates, product features and processing timelines. Annuity products are issued by American Life & Security Corp. and are not offered in all states.
MaxGrowth is issued by American Life & Security Corp., 2900 S. 70th St., STE 400, Lincoln, NE 68506 (FIA5 11/2023; FIALR-MG 01/24, ICC24-FIANHR 001 01/24, FIAPB 001/24) or state variations. Product Features, limitations and availability vary; see the MaxGrowth FIA Disclosure Statement for Details. Products not available in all states.
The S&P 500® and S&P 500® Market Agility 10 TCA 0.5% Decrement Index ("Indices") are a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and have been licensed for use by American Life & Security Corp. (“American Life”). S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). American Life Products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices does not make any representation or warranty, express or implied, to the owners of the American Life MaxGrowth 10 FIA or any member of the public regarding the advisability of investing in securities generally or in American Life MaxGrowth 10 FIA particularly or the ability of the S&P 500® and S&P 500® Market Agility 10 TCA 0.5% Decrement indices to track general market performance. Past performance of an index is not an indication or guarantee of future results. S&P Dow Jones Indices’ only relationship to American Life with respect to the S&P 500® and S&P 500® Market Agility 10 TCA 0.5% Decrement Indices is the licensing of the Indices and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The S&P 500® and S&P 500® Market Agility 10 TCA 0.5% Decrement Indices are determined, composed and calculated by S&P Dow Jones Indices without regard to American Life or the American Life MaxGrowth 10 FIA. S&P Dow Jones Indices has no obligation to take the needs of American Life or the owners of American Life MaxGrowth 10 FIA into consideration in determining, composing or calculating the S&P 500® and S&P 500® Market Agility 10 TCA 0.5% Decrement Indices. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of American Life MaxGrowth 10 FIA. There is no assurance that investment products based on the S&P 500® and S&P 500® Market Agility 10 TCA 0.5% Decrement Indices will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment adviser, commodity trading advisory, commodity pool operator, broker dealer, fiduciary, promoter” (as defined in the Investment Company Act of 1940, as amended), “expert” as enumerated within 15 U.S.C. § 77k(a) or tax advisor. Inclusion of a security, commodity, crypto currency or other asset within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, commodity, crypto currency or other asset, nor is it considered to be investment advice or commodity trading advice.
NEITHER S&P DOW JONES INDICES NOR THIRD PARTY LICENSOR GUARANTEES THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE S&P 500® AND S&P 500® MARKET AGILITY 10 TCA 0.5% DECREMENT INDICES OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY AMERICAN LIFE, OWNERS OF THE AMERICAN LIFE MAXGROWTH 10 FIA, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&P 500® AND S&P 500® MARKET AGILITY 10 TCA 0.5% DECREMENT INDICES OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. S&P DOW JONES INDICES HAS NOT REVIEWED, PREPARED AND/OR CERTIFIED ANY PORTION OF, NOR DOES S&P DOW JONES INDICES HAVE ANY CONTROL OVER, THE LICENSEE PRODUCT REGISTRATION STATEMENT, PROSPECTUS OR OTHER OFFERING MATERIALS. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND AMERICAN LIFE OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.
Important Information: The Schroders Global Compass Index (the “Index”) is the exclusive property of Schroder Investment Management North America Inc. (together with its affiliates, “Schroders“). Although Schroders shall obtain information from sources that Schroders considers reliable, Schroders does not guarantee the accuracy and/or the completeness of any of this information. Schroders does not guarantee that the Index will not deviate from its stated methodology. The Index and data are the exclusive property of Schroders and may not be used in any way without the express written permission of Schroders. Schroders is not obligated to license the Index to anyone.
Neither Schroders nor any other party (including without limitation any calculation agents or data providers) makes any representation or warranty, express or implied, regarding the advisability of purchasing, using or referencing the Index. Schroders does not have any obligation or liability to owners of any products that use or reference the Index in connection with the administration or marketing of such products, and neither Schroders nor any other party guarantees or accepts any liability with respect to the quality, accuracy and/or the completeness of the Index, its calculation, its valuation or any data included therein. In no event shall any investors in such products be deemed to be a client of Schroders.
Prior to purchasing any products linked to (or based on) the Index, investors and consumers should seek independent financial, tax, accounting and legal advice.
BLOOMBERG is a trademark and service mark of Bloomberg Finance L.P. Bloomberg Finance L.P. and its affiliates (collectively, “Bloomberg”) are not affiliated with Schroders. Bloomberg’s association with Schroders is to act as the administrator and calculation agent of the Schroders Global Compass Index (the “Index”), which is the property of Schroders. Bloomberg does not guarantee the timeliness, accurateness, or completeness of the Index or any data or information relating thereto and shall have no liability in connection with the Index or any data or information relating thereto.
All data for the Index prior to launch date represents the application of the Index methodology by Bloomberg in order to reconstruct hypothetical historical data. This backtested, hypothetical, historical data has inherent limitations and is provided for illustrative purposes only. The hypothetical results shown must be considered as no more than an approximate representation of the Index performance, not as indicative of how it would have performed in the past or may perform in the future. It is the result of statistical modeling, with the benefit of hindsight, based on a number of assumptions and there are a number of material limitations on the retrospective reconstruction of any performance results from performance records. Actual results will vary. Indexes are unmanaged.
Schroder Investment Management North America Inc. (“SIMNA Inc.”) is registered as an investment adviser, CRD Number 105820, with the US Securities and Exchange Commission and as a Portfolio Manager, NRD Number 12130, with the securities regulatory authorities in Alberta, British Columbia, Manitoba, Nova Scotia, Ontario, Quebec and Saskatchewan. It provides asset management products and services to clients in the United States and Canada. Schroder Fund Advisors LLC (“SFA”) markets certain investment vehicles for which SIMNA Inc. is an investment adviser. SFA is a wholly owned subsidiary of SIMNA Inc. and is registered as a limited purpose broker dealer with the Financial Industry Regulatory Authority and as an Exempt Market Dealer with the securities regulatory authorities in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Quebec, and Saskatchewan. This document does not purport to provide investment advice and the information contained in this material is for informational purposes and not to engage in trading activities. It does not purport to describe the business or affairs of any issuer and is not being provided for delivery to or review by any prospective purchaser so as to assist the prospective purchaser to make an investment decision in respect of securities being sold in a distribution. SIMNA Inc. and SFA are wholly owned subsidiaries of Schroders plc, a UK public company with shares listed on the London Stock Exchange. Further information about Schroders can be found at www.schroders.com/us or www.schroders.com/ca. Schroder Investment Management North America Inc. 7 Bryant Park, New York, NY, 10018-3706, (212) 641-3800.
Guarantees are based on the claims paying ability of American Life & Security Corp. The product features may vary by state. The indexes available are subject to change and are not available for direct investment. Contact American Life for the most current rates, product features and processing timelines. Annuity products are issued by American Life & Security Corp. and are not offered in all states.
MaxGrowth is issued by American Life & Security Corp., 2900 S. 70th St., STE 400, Lincoln, NE 68506 (FIA5 11/2023; FIALR-MG 01/24, ICC24-FIANHR 001 01/24, FIAPB 001/24) or state variations. Product Features, limitations and availability vary; see the MaxGrowth FIA Disclosure Statement for Details. Products not available in all states.
The S&P 500® and S&P 500® Market Agility 10 TCA 0.5% Decrement Index ("Indices") are a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and have been licensed for use by American Life & Security Corp. (“American Life”). S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). American Life Products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices does not make any representation or warranty, express or implied, to the owners of the American Life MaxGrowth 10 FIA or any member of the public regarding the advisability of investing in securities generally or in American Life MaxGrowth 10 FIA particularly or the ability of the S&P 500® and S&P 500® Market Agility 10 TCA 0.5% Decrement indices to track general market performance. Past performance of an index is not an indication or guarantee of future results. S&P Dow Jones Indices’ only relationship to American Life with respect to the S&P 500® and S&P 500® Market Agility 10 TCA 0.5% Decrement Indices is the licensing of the Indices and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The S&P 500® and S&P 500® Market Agility 10 TCA 0.5% Decrement Indices are determined, composed and calculated by S&P Dow Jones Indices without regard to American Life or the American Life MaxGrowth 10 FIA. S&P Dow Jones Indices has no obligation to take the needs of American Life or the owners of American Life MaxGrowth 10 FIA into consideration in determining, composing or calculating the S&P 500® and S&P 500® Market Agility 10 TCA 0.5% Decrement Indices. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of American Life MaxGrowth 10 FIA. There is no assurance that investment products based on the S&P 500® and S&P 500® Market Agility 10 TCA 0.5% Decrement Indices will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment adviser, commodity trading advisory, commodity pool operator, broker dealer, fiduciary, promoter” (as defined in the Investment Company Act of 1940, as amended), “expert” as enumerated within 15 U.S.C. § 77k(a) or tax advisor. Inclusion of a security, commodity, crypto currency or other asset within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, commodity, crypto currency or other asset, nor is it considered to be investment advice or commodity trading advice.
NEITHER S&P DOW JONES INDICES NOR THIRD PARTY LICENSOR GUARANTEES THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE S&P 500® AND S&P 500® MARKET AGILITY 10 TCA 0.5% DECREMENT INDICES OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY AMERICAN LIFE, OWNERS OF THE AMERICAN LIFE MAXGROWTH 10 FIA, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&P 500® AND S&P 500® MARKET AGILITY 10 TCA 0.5% DECREMENT INDICES OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. S&P DOW JONES INDICES HAS NOT REVIEWED, PREPARED AND/OR CERTIFIED ANY PORTION OF, NOR DOES S&P DOW JONES INDICES HAVE ANY CONTROL OVER, THE LICENSEE PRODUCT REGISTRATION STATEMENT, PROSPECTUS OR OTHER OFFERING MATERIALS. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND AMERICAN LIFE OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.
Important Information: The Schroders Global Compass Index (the “Index”) is the exclusive property of Schroder Investment Management North America Inc. (together with its affiliates, “Schroders“). Although Schroders shall obtain information from sources that Schroders considers reliable, Schroders does not guarantee the accuracy and/or the completeness of any of this information. Schroders does not guarantee that the Index will not deviate from its stated methodology. The Index and data are the exclusive property of Schroders and may not be used in any way without the express written permission of Schroders. Schroders is not obligated to license the Index to anyone.
Neither Schroders nor any other party (including without limitation any calculation agents or data providers) makes any representation or warranty, express or implied, regarding the advisability of purchasing, using or referencing the Index. Schroders does not have any obligation or liability to owners of any products that use or reference the Index in connection with the administration or marketing of such products, and neither Schroders nor any other party guarantees or accepts any liability with respect to the quality, accuracy and/or the completeness of the Index, its calculation, its valuation or any data included therein. In no event shall any investors in such products be deemed to be a client of Schroders.
Prior to purchasing any products linked to (or based on) the Index, investors and consumers should seek independent financial, tax, accounting and legal advice.
BLOOMBERG is a trademark and service mark of Bloomberg Finance L.P. Bloomberg Finance L.P. and its affiliates (collectively, “Bloomberg”) are not affiliated with Schroders. Bloomberg’s association with Schroders is to act as the administrator and calculation agent of the Schroders Global Compass Index (the “Index”), which is the property of Schroders. Bloomberg does not guarantee the timeliness, accurateness, or completeness of the Index or any data or information relating thereto and shall have no liability in connection with the Index or any data or information relating thereto.
All data for the Index prior to launch date represents the application of the Index methodology by Bloomberg in order to reconstruct hypothetical historical data. This backtested, hypothetical, historical data has inherent limitations and is provided for illustrative purposes only. The hypothetical results shown must be considered as no more than an approximate representation of the Index performance, not as indicative of how it would have performed in the past or may perform in the future. It is the result of statistical modeling, with the benefit of hindsight, based on a number of assumptions and there are a number of material limitations on the retrospective reconstruction of any performance results from performance records. Actual results will vary. Indexes are unmanaged.
Schroder Investment Management North America Inc. (“SIMNA Inc.”) is registered as an investment adviser, CRD Number 105820, with the US Securities and Exchange Commission and as a Portfolio Manager, NRD Number 12130, with the securities regulatory authorities in Alberta, British Columbia, Manitoba, Nova Scotia, Ontario, Quebec and Saskatchewan. It provides asset management products and services to clients in the United States and Canada. Schroder Fund Advisors LLC (“SFA”) markets certain investment vehicles for which SIMNA Inc. is an investment adviser. SFA is a wholly owned subsidiary of SIMNA Inc. and is registered as a limited purpose broker dealer with the Financial Industry Regulatory Authority and as an Exempt Market Dealer with the securities regulatory authorities in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Quebec, and Saskatchewan. This document does not purport to provide investment advice and the information contained in this material is for informational purposes and not to engage in trading activities. It does not purport to describe the business or affairs of any issuer and is not being provided for delivery to or review by any prospective purchaser so as to assist the prospective purchaser to make an investment decision in respect of securities being sold in a distribution. SIMNA Inc. and SFA are wholly owned subsidiaries of Schroders plc, a UK public company with shares listed on the London Stock Exchange. Further information about Schroders can be found at www.schroders.com/us or www.schroders.com/ca. Schroder Investment Management North America Inc. 7 Bryant Park, New York, NY, 10018-3706, (212) 641-3800.