02
What you could receive
Live projection for Graybar IncomePlus with Graybar GLWB — single life, issue age 62, income beginning at age 62. Illustrative, not a quote; figures refresh from Annuity Rate Watch.
| Premium | Monthly | Annual |
|---|---|---|
| $250,000 | $1,503 | $18,031 |
| $500,000 | $3,005 | $36,063 |
| $1,000,000 | $6,010 | $72,125 |
03
Income rider fees
Disclosed charges for optional riders on Ceres Life products, live from Annuity Rate Watch. Product-level detail is on each review.
| Rider | Product | Fee |
|---|---|---|
| Graybar GLWB | Graybar IncomePlus | 1.10% annually (2.50% max) |
04
Frequently asked questions
Is Ceres Life a good annuity company?
We have reviewed 6 Ceres Life products, and A.M. Best rates the carrier B++ for financial strength.
How much income can I get from a Ceres Life annuity?
Income depends on your premium, age, and start date. At our benchmark scenario — single life, issue age 62, income beginning at age 62 — Ceres Life's highest-paying income product (Graybar IncomePlus) currently projects about $36,063 per year on a $500,000 premium, or $18,031 on $250,000. Figures are illustrative, based on live Annuity Rate Watch data, and are not a quote.
What are the fees for Ceres Life annuities?
Fee structures vary by product. Optional income riders on Ceres Life products carry disclosed charges — for example Graybar GLWB (Graybar IncomePlus): 1.10% annually (2.50% max). See each product review for the full fee detail.
What is the surrender period for Ceres Life annuities?
Surrender periods on Ceres Life's current lineup run 3–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply — the product table above shows each product's surrender length, and each review covers the exact schedule.