General Disclosures

Axonic Insurance refers to a group of affiliated legal entities organized under Axonic Insurance Holdings Inc. that collectively specialize in designing, distributing, and servicing annuity and other investment products for individuals and institutions worldwide. Axonic Insurance Services LLC (“Axonic”), an insurance producer licensed in all fifty states and the District of Columbia, #3003019286 in Arkansas, and #6013523 in California, acts as a business process outsourcer, including for the US-issued annuities underwritten by its non-affiliated carrier, AmFirst Insurance Company (NAIC #6025), an Oklahoma domiciled life insurance company with a home office in Oklahoma City, Oklahoma (“AmFirst”). AmFirst operates as AmFirst Life Insurance Company in California. AmFirst is licensed in 47 states, the District of Columbia, Puerto Rico, and the British Virgin Islands. Axonic Services LLC, a Puerto Rico limited liability company for profit, services the non US-issued annuities underwritten by its affiliated underwriter, Axonic Insurance Company SPC, a Class B(iii) insurer in the Cayman Islands licensed under the Cayman Islands Insurance Act, 2010 (as amended), as well as its non-affiliated carrier, AmFirst Life Insurance Company I.I., a corporation licensed as a Class 5 International Insurer and Segregated Assets Plan Company under Chapter 61 of the Insurance Code of Puerto Rico. Axonic has ownership interests in segregated accounts of ALIC, which provide reinsurance coverage to AmFirst and other third-party insurers.

The statements and comments offered in any communication are provided as general information and ideas. They are not intended to be, nor should they be relied on as investment, legal, or tax advice or recommendations. Before making a decision or giving advice about any matter contained in this communication, agents or individuals should consult an attorney, tax advisor, or certified financial planner for answers to specific questions. All individuals soliciting or selling Axonic Insurance products must be licensed insurance agents.

Guarantees are based on the financial strength and claims-paying ability of the issuing insurance company. Annuity contracts and features may vary by state and may not be available in all states, including New York.

Annuity Disclosures (MYGA & FIA Products)

Product offerings may not be available to all distributors.

This annuity is tax-deferred, which means you do not pay taxes on the interest it earns until the money is paid to you.

This product is not guaranteed by the FDIC or NCUA, is not a deposit or obligation of, and is not guaranteed by, any bank or credit union, is not insured by any federal government agency, and may lose value.

Annuities are designed for long-term accumulation of money; surrender and withdrawal fees may apply on early withdrawals. Annuity withdrawals are subject to income tax, and withdrawals prior to age 59½ may also be subject to an IRS penalty.

This material provides a summary of product features. The contract associated with the product will contain the actual terms, definitions, limitations, and exclusions that apply. Products and services may not be available in all states.

Rates are subject to change at any time at the discretion of the issuing insurance company.

All products are subject to and comply with applicable standard non-forfeiture laws. In the event of a contract surrender, the policyholder shall be entitled to a minimum nonforfeiture benefit, which will be calculated based on the premium received, using the interest rate specified in the contract, and will be reduced by any prior withdrawals or partial surrenders taken from the contract, as per the requirements of the applicable state Standard Nonforfeiture Law. 

Multi-Year Guaranteed Annuity (MYGA) Disclosures

A Multi-Year Guaranteed Annuity (MYGA) is a type of fixed deferred annuity issued by an insurance company that allows you to grow your savings at a guaranteed fixed interest rate for a specific period of years. With a MYGA, you make a single premium payment, and the insurer credits a set interest rate that remains unchanged for the entire contract term.

For Waypoint, Skyline, and Incline, below are the applicable Policy Form Numbers:

ICC23 AmFirst MYGA POL, AmFirst MYGA POL, AmFirst MYGA POL-CA, AmFirst MYGA POL-FL, AmFirst MYGA POL-SC, ICC23 AmFirst MYGA MVA Rider, AmFirst MYGA MVA Rider, AmFirst MYGA MVA Rider-FL, AmFirst MYGA MVA Rider-CA, ICC24 AMF TI Rider, AMF TI Rider, AMF TI Rider-FL, ICC24 AMF NH Rider, AMF NH Rider, AMF NH Rider-FL.

For VantagePoint, below are the applicable Policy Form Numbers:

ICC23 AmFirst MYGA POL, AmFirst MYGA POL, AmFirst MYGA POL-CA, AmFirst MYGA POL-FL, AmFirst MYGA POL-SC, ICC23 AmFirst MYGA MVA Rider, AmFirst MYGA MVA Rider, AmFirst MYGA MVA Rider-FL, AmFirst MYGA MVA Rider-CA, ICC24 AMF TI Rider, AMF TI Rider, AMF TI Rider-FL, ICC24 AMF NH Rider, AMF NH Rider, AMF NH Rider-FL, ICC24 AmFirst PP Bonus Rider, AmFirst PP Bonus Rider, AmFirst PP Bonus Rider CA, AmFirst PP Bonus Rider-FL.

Fixed Indexed Annuity (FIA) Disclosures

A Fixed Indexed Annuity (FIA) is a long-term, tax-deferred insurance contract that combines principal protection with the potential for interest growth linked to a market index. With a FIA, your money is not directly invested in the stock market, so you will not lose principal due to negative index performance, but your account can earn interest when the selected index performs positively. Interest credits are typically calculated using features like caps or participation rateswhich may limit the amount of indexed growth you receive. Some FIAs also offer other optional benefits.

Trailhead FIA also offers an Interest Bonus Rider. This is an additional feature to the Trailhead FIA which provides a one-time percentage boost at the end of the first 1- or 2-Year Initial Strategy Term to the credited interest generated from the crediting strategy (or strategies) you choose.

For Trailhead FIA, below are the applicable Policy Form Numbers:

ICC23 AmFirst FIA POL, AmFirst FIA POL-CA, AmFirst FIA POL-FL, AmFirst FIA POL, AmFirst FIA POL-SC, ICC23 AmFirst FIA MVA Rider, AmFirst FIA MVA Rider, AmFirst FIA MVA Rider-FL, AmFirst FIA MVA Rider-CA, ICC24 AMF TI Rider, AMF TI Rider, AMF TI Rider-FL, ICC24 AMF NH Rider, AMF NH Rider, AMF NH Rider-FL, ICC24 AMF Interest Boost Rider, AMF Interest Boost Rider, AMF Interest Boost Rider-CA, AMF Interest Boost Rider-FL.

Trailhead FIA PLUS may also offer a Premium Bonus Rider that is applied immediately to the annuity’s Accumulation Value at issuance. The Premium Bonus is calculated as a percentage of the initial premium and becomes a permanent part of the annuity’s Accumulation Value. The Premium Bonus Rider is a one-time percentage increase to your initial premium, providing increased upfront buying power. The Premium Bonus Rider is not available for immediate withdrawal, even though it is applied to the accumulation value at issue. On each Contract Anniversary following the Contract Effective Date, a percentage of the Premium Bonus will become vested according to the Bonus Vesting Schedule shown under Premium Bonus Rider Data Section.

For Trailhead FIA PLUS, below are the applicable Policy Form Numbers:

ICC23 AmFirst FIA POL, AmFirst FIA POL-FL, AmFirst FIA POL, AmFirst FIA POL-SC, AmFirst FIA POL AL, AMF FIA POL AZ, AmFirst FIA POL KS, AmFirst FIA POL OK, ICC23 AmFirst FIA MVA Rider, AmFirst FIA MVA Rider, AmFirst FIA MVA Rider-FL, ICC24 AMF TI Rider, AMF TI Rider, AMF TI Rider-FL, ICC24 AMF NH Rider, AMF NH Rider, AMF NH Rider-FL, ICC25 AMF FIA Premium Bonus Rider, AMF FIA Premium Bonus Rider, AMF FIA Premium Bonus Rider-FL.

Last updated 2/11/26.

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