American Freedom Max Growth 10
Multi-Year Guarantee Annuity
The American Freedom Max Growth 10 is a deferred multi-year guarantee annuity issued by American Century Life Insurance Co.
The current 10 year guarantee period annual yield is 6.05% (see Rate Details below). This is the guaranteed annual yield, including bonuses if applicable, for the initial guarantee period term, up to the first penalty free full withdrawal window. The American Freedom Max Growth 10 has a full penalty free withdrawal window after 10 years.
Details on additional penalty waivers can be found in the Penalty Free Withdrawal Provisions section below.
American Century Life Insurance Co is rated “B++” by A.M. Best, was founded in 1980, and has over $202 million in total assets.
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Jun 11th, 2026
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10 years
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| Current | ||
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10 Year Guarantee Period Annual Yield:
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6.05% | |
| Interest rate start of year 1 through end of year 10: | 6.05% | |
Accumulation Value (assuming no withdrawals) |
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10 years
10 years
10 years
State variations may exist, refer to product disclosure for details.
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$5,000
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$5,000
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$2,000,000
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$2,000,000
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90
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90
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45 days
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Yes
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No
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No
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See product brochure, disclosure and riders for additional details, limitations and availability. State variations, age restrictions and holding periods may apply.
Not available in: CA, HI, MN, NY, NC and SD (as of 07/09/2026)
Base contract provides zero liquidity. The following are optional riders available at the time of application. The crediting rate is reduced by the percentage indicated for each option.
Free Partial Withdrawal Rider (0.15%): Access the greater of 10% of the Accumulated Value or the Required Minimum Distribution (RMD) without incurring Surrender Charges or MVA.
Interest-Only Withdrawal Rider (0.10%): Access to earned interest in the year prior to withdrawal without incurring Surrender Charges or MVA.
Required Minimum Distribution Rider (0.10%): Access to required distributions (RMDs) without incurring Surrender Charges or MVA.
Death Benefit Rider (0.15%): Election of this optional rider will provide the named beneficiaries with the full Account Value upon death, free of Surrender Charges or MVA. Rider may be elected with an Optional Withdrawal Rider or stand alone. Without this rider, the named beneficiaries will receive the Cash Surrender Value (unless the spouse was named as joint owner or primary beneficiary, in which case the policy and its provisions may continue).
Note: Only one election can be made from the Free Partial Withdrawal Rider, Interest-Only Withdrawal Rider or Required Minimum Distribution Rider options.
Description Here
