Every carrier on the Cadbury platform was selected for financial strength, product innovation, and the quality of client protections — not just commission rates.
Partner agents gain access to direct carrier relationships with all three carriers below — contracting, illustrations, and case support included.
EquiTrust is a national insurance 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 an immediate boost to the client's accumulation value.
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.
Full Product Details →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 23% premium bonus immediately at contract issue — the highest day-one bonus available on the Cadbury platform — giving clients an immediate and significant jump-start on their accumulation value.
Index options include the S&P 500 Intraday Index (a unique crediting method that captures intraday movement) and the Nasdaq-100, giving clients access to two of the most recognized growth indices in the world — with zero downside risk.
Full Product Details →AuguStar Retirement (a member of the Constellation Insurance, Inc. family) brings a differentiated FIA product to the Cadbury shelf. The 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.
Available in 7 and 10-year surrender options, OrionShield also offers up to 21% premium bonus, tax-deferred accumulation, and a death benefit. Ideal for clients who want maximum peace of mind around their long-term retirement outcome. Not for use in California.
Full Product Details →A quick-reference comparison of the three products available to Cadbury partner agents.
| Feature | EquiTrust MarketTen | American Life Select 10 | AuguStar OrionShield |
|---|---|---|---|
| Premium Bonus | 8% (Years 1–5) | 23% Day One | Up to 21% |
| Additional Bonus | — | 3% Interest (Year 10) | GAP Accumulation Guarantee |
| Floor (Min. Credited) | 0% | 0% | 0% |
| Index Options | Multiple | S&P 500 Intraday, Nasdaq-100 | Multiple |
| Free Withdrawals | 10% annually | 10% annually | Varies by term |
| Death Benefit | ✓ Included | Varies | ✓ Included |
| Nursing Home Waiver | ✓ Included | — | — |
| Surrender Period | Multi-year | 10 Years | 7 or 10 Years |
| Eligible Ages | Standard | 0–85 | Standard |
| State Availability | Most states | Most states | All except CA |
This table is for agent reference only. Verify all product details with current carrier materials. Product features subject to change.
Apply to join the Cadbury platform and get contracted with every carrier on the shelf — with full product training and case support included.