Every carrier on the Cadbury shelf was selected for financial strength, product innovation, and the quality of client protections — not just commission rates.
Partner agents gain direct carrier access — contracting, illustrations, and case support included across all eight carriers below.
Athene is the #1 fixed annuity seller in the United States and holds the rare distinction of an A+ rating from all four major rating agencies — AM Best, S&P, Fitch, and Moody's. A subsidiary of Apollo Global Management, Athene brings institutional-grade financial strength to the retirement income market.
The Performance Elite® is their flagship accumulation FIA — delivering some of the most competitive cap rates in the industry year after year. The Performance Elite® 10 Plus variant credits a 24% premium bonus at issue, part of a suite of index strategies designed for long-term growth with complete downside protection.
American Equity Investment Life Insurance Company has been serving the retirement market since 1995 and is one of the most widely distributed FIA carriers in the country. Their AssetShield series — including the AssetShield, IncomeShield, and FlexShield products — are trusted by independent agents nationwide.
The AssetShield Bonus 10 stands out for its low $5,000 minimum premium, flexible contribution structure, and 14–21% day-one bonus that immediately boosts the client's accumulation value — making it an excellent fit for clients funding their annuity over time rather than in a single lump sum.
EquiTrust Life Insurance Company is a national carrier focused exclusively on fixed and fixed index annuity products for the retirement market. Their flagship FIA — the MarketTen Bonus Index® — applies an 8% premium bonus on every dollar of premium paid in the first five years, creating a sustained accumulation boost throughout the early contract years.
Combined with a zero floor and the included Nursing Home Waiver, the MarketTen is built for clients who want market-linked upside with full principal protection and meaningful liquidity provisions for unexpected care needs.
American Life & Security Corp. offers one of the most compelling day-one bonus structures in the FIA market. The American Select 10 Bonus Plus applies a full 22% premium bonus immediately at contract issue — giving clients an immediate and significant jump-start on their accumulation value from day one.
Index options include the S&P 500 Intraday Index and the Nasdaq-100, with the added benefit of a 3% interest bonus paid at the end of year 10 for clients who remain committed to the full contract term.
AuguStar Retirement, a member of the Constellation Insurance family, brings three distinct products to the Cadbury shelf — each built for a different client profile. The Omega Bonus Plus 10 delivers the highest premium bonus on the entire Cadbury platform at up to 31%.
The OrionShield's proprietary Guaranteed Accumulation Protection (GAP) feature guarantees the contract will accumulate to a minimum value regardless of index performance — going beyond simple principal protection to provide a true growth floor. Not available in New York or California.
North American Company for Life and Health Insurance carries an A+ AM Best rating and is one of the most recognized names in the FIA market. Their two-product offering on the Cadbury platform covers both single-premium and flexible-premium accumulation strategies.
The Secure Horizon Plus is ideal for clients funding with a lump sum who want a strong day-one bonus plus the unique Performance Strategy Ladder. The Charter Plus 10 is one of the few FIAs that allows ongoing contributions — perfect for clients who want to build their annuity over time. Not available in NJ, NY, and select other states.
Axonic Insurance Solutions brings a straightforward, high-bonus accumulation product to the Cadbury shelf. The Trailhead 10 PLUS Enhanced stands out for two key features: a 23% enhanced premium bonus and a 60-day rate lock period — the longest rate lock available across the entire platform.
That extended rate lock gives agents and clients ample time to complete the application, underwriting, and funding process without the risk of rates changing mid-process — a meaningful operational advantage for larger cases. Not available in CA, NJ, NY, and select other states.
Ibexis Life & Annuity holds an A- Excellent rating from AM Best and brings the most term flexibility on the Cadbury platform — offering 5, 7, and 10-year options across three distinct product tiers. The WealthDefender series is built for clients who want both competitive accumulation and meaningful client protections.
The Bailout Feature is a standout: if Ibexis lowers the S&P 500 cap rate below the declared Bailout Rate, clients gain full penalty-free access to their accumulated value — a rare and meaningful safety valve. Waivers for Activities of Daily Living, Nursing Home confinement, and Terminal Illness are included at no additional cost (not available in CA).
Quick-reference overview of all eight carriers on the Cadbury platform. Verify current rates and product details with carrier materials before submission.
| Carrier | AM Best | Flagship Product | Max Bonus | Min Premium | Term | Key Feature |
|---|---|---|---|---|---|---|
| Athene | A+ | Performance Elite® 10 Plus | 24% Day One | Varies | Multiple | #1 FIA Seller — 4x A+ Rated |
| American Equity | A | AssetShield Bonus 10 | 14–21% Day One | $5,000 | 10 Years | Lowest Min Premium — Flexible |
| EquiTrust | B++ | MarketTen Bonus Index® | 8% Yrs 1–5 | Varies | Multi-Year | Nursing Home Waiver Included |
| American Life | B++ | Select 10 Bonus Plus | 22% Day One | Varies | 10 Years | +3% Interest Bonus Yr 10 |
| AuguStar | A- | Omega Bonus Plus 10 | 31% Day One | Varies | 7 or 10 Yrs | Highest Bonus on Shelf + GAP |
| North American | A+ | Secure Horizon Plus | 24% Day One | $20,000 | 10 Years | Flexible Premium Option Available |
| Axonic | A- | Trailhead 10 PLUS Enhanced | 23% Day One | $20,000 | 10 Years | 60-Day Rate Lock |
| Ibexis | A- | WealthDefender™ Series | 22% Day One | $25,000 | 5, 7 or 10 Yrs | Bailout Feature + 3 Term Options |
For agent reference only. All figures are carrier-stated and subject to change. Verify current rates and state availability before submission.
Apply to join the Cadbury platform and get contracted with every carrier on the shelf — with full product training and personal case support on every submission.