Ten products across eight top-rated carriers. Industry-leading bonus structures. Principal protection with market-linked upside — exclusively for Cadbury partner agents.
Every product below is available exclusively to Cadbury partner agents. Fast contracting, full product training, and personal case support on every submission.
Athene is the #1 fixed annuity seller in the United States — and one of only a handful of carriers to hold an A+ rating from all four major rating agencies simultaneously (AM Best, S&P, Fitch, and Moody's). A subsidiary of Apollo Global Management, Athene brings institutional-grade financial strength to the individual retirement 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 contract issue, immediately increasing the accumulated value, and adds a Liquidity Rider for clients who need enhanced access flexibility during the surrender period.
Get Contracted →American Equity has been a leading FIA carrier since 1995 and is one of the most widely distributed fixed index annuity companies in the country. Their AssetShield series is trusted by independent agents nationwide for straightforward accumulation focus and competitive bonus structures backed by a strong AM Best A rating.
The AssetShield Bonus 10 stands out for its low $5,000 minimum premium and flexible contribution structure — one of the few FIAs that allows clients to add funds at any time without restarting the surrender charge period. A 14–21% day-one premium bonus immediately boosts accumulation value, making it an excellent fit for clients building their retirement position over time. Accumulation-focused with no lifetime income rider.
Get Contracted →EquiTrust is a national carrier focused exclusively on fixed and fixed index annuity products for the retirement and accumulation market. Their flagship FIA — the MarketTen Bonus Index® — applies an 8% premium bonus on every dollar of premium paid in the first five years of the contract, creating a sustained accumulation boost throughout the early contract years.
Combined with index-linked interest crediting and a zero floor, the MarketTen is designed for clients who want market-linked upside with the security of knowing they can never lose money due to index declines. The Nursing Home Waiver is included at no additional cost.
Get Contracted →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 the first day of the contract.
Index options include the S&P 500 Intraday Index and the Nasdaq-100, giving clients access to two of the most recognized growth indices — with zero downside risk. The additional 3% interest bonus at the end of year 10 rewards clients who stay committed to the full contract term.
Get Contracted →The Omega Bonus Plus 10 is AuguStar's highest-bonus FIA — delivering up to 31% day-one premium bonus on a 10-year contract. For clients who want maximum accumulation credit from day one, this product offers the strongest premium bonus on the entire Cadbury shelf, backed by nine index-linked crediting strategies with rates guaranteed for the full surrender period.
Index options include S&P 500, Nasdaq Night Owl, S&P MARC 5, Dynamic Balanced Asset 10, and more. All with a 0% floor guarantee. Not available in New York or California.
Get Contracted →AuguStar's OrionShield FIA is built around the proprietary Guaranteed Accumulation Protection (GAP) feature — a guarantee that the contract will accumulate to a minimum value regardless of index performance. This is not just principal protection; it is a floor on growth itself.
Available in 7 and 10-year surrender options with up to 21% premium bonus, tax-deferred accumulation, and a death benefit. Ideal for clients who want maximum peace of mind around long-term retirement outcomes. Not for use in California.
Get Contracted →The Secure Horizon Plus delivers a 24% day-one premium bonus on a 10-year single premium contract. Its unique Performance Strategy Ladder allocates premium across five index account strategies with different term lengths — designed to capture higher participation rates while ensuring at least one strategy matures each year.
The Accumulation Value True-Up benefit provides a one-time credit at the end of the surrender period if strategy charges exceed total credited interest — an added layer of protection for long-term clients. Ages 40–79. Minimum premium $25,000. Not available in NJ, NY, and select other states.
Get Contracted →The Charter Plus 10 is a flexible premium annuity — one of the few FIA products that allows additional premium contributions throughout the contract. It pays a 13–22% premium bonus on all premiums paid during the first three years, making it ideal for clients who plan to fund their annuity over time rather than with a single lump sum.
With a 45-day rate lock period and MVA provision, the Charter Plus 10 offers flexibility and competitive bonus structures for accumulation-focused clients. Ages 0–79. Minimum premium $20,000.
Get Contracted →The Trailhead 10 PLUS Enhanced is a single premium deferred indexed annuity offering a 23% enhanced premium bonus with a 10-year surrender period. With a generous 60-day rate lock period — the longest on the Cadbury shelf — clients and agents have ample time to lock in competitive rates before issuance.
Available for ages 0–89 with a minimum premium of $20,000 and multiple index crediting strategies with a 0% floor guarantee. Premiums over $1M require carrier approval. Not available in CA, NJ, NY, and select other states.
Get Contracted →The WealthDefender™ Series from Ibexis offers three distinct products for different client profiles — available in 5, 7, and 10-year terms with index options including S&P 500, Nasdaq-100 Engle 10%, and Barclays Tactical Growth Index.
A unique Bailout Feature allows penalty-free withdrawals if the S&P 500 cap rate falls below the declared Bailout Rate. Waivers for Activities of Daily Living, Nursing Home confinement, and Terminal Illness are included at no additional cost (not available in CA). Minimum premium $25,000.
Get Contracted →A quick-reference comparison of all ten products available to Cadbury partner agents. For agent reference only — verify current rates and state availability with carrier materials before submission.
| Product | Premium Bonus | Add'l Bonus | Floor | Min Premium | Free W/D | Death Ben. | NH Waiver | Term | Ages | AM Best | Restrictions |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Athene Performance Elite® 10 Plus | 24% Day One | — | 0% | Varies | 10% annually | ✓ | — | Multiple | Standard | A+ | — |
| Am. Equity AssetShield 10 | 14–21% Day One | — | 0% | $5,000 | 10% Yr 2+ | ✓ | — | 10 Years | 0–80 | A | — |
| EquiTrust MarketTen | 8% (Yrs 1–5) | — | 0% | Varies | 10% annually | ✓ | ✓ | Multi-year | Standard | B++ | — |
| American Life Select 10 | 22% Day One | 3% Yr 10 | 0% | Varies | 10% annually | Varies | — | 10 Years | 0–85 | B++ | — |
| AuguStar Omega Plus 10 | Up to 31% Day One | — | 0% | Varies | Varies | ✓ | — | 10 Years | Standard | A- | Not NY, CA |
| AuguStar OrionShield | Up to 21% | GAP Feature | 0% | Varies | Varies | ✓ | — | 7 or 10 Yrs | Standard | A- | Not CA |
| NA Secure Horizon Plus | 24% Day One | AV True-Up Yr 10 | 0% | $25,000 | Varies | ✓ | — | 10 Years | 40–79 | A+ | Not NJ, NY+ |
| NA Charter Plus 10 | 13–22% (Yrs 1–3) | — | 0% | $20,000 | Varies | ✓ | — | 10 Years | 0–79 | A+ | — |
| Axonic Trailhead 10 PLUS | 23% Day One | — | 0% | $20,000 | Varies | ✓ | — | 10 Years | 0–89 | A- | Not CA, NJ, NY+ |
| Ibexis WealthDefender | Up to 22% | Bailout Feature | 0% | $25,000 | 10% annually | ✓ | ✓ (not CA) | 5, 7 or 10 Yrs | 0–85 | A- | Bonus+ not CA |
For agent reference only. All figures are carrier-stated and subject to change without notice. Verify current rates and state availability with carrier materials before any submission.
Carrier contracting, product illustrations, and case support — all included when you join the Cadbury platform.
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