Annuity Atlas
Reviews

Expert review · 2026

CL Life review

Annuity Atlas covers 5 CL Life annuity products with live rates and contract specs. 5 carry full editorial reviews.

Carrier strength

B++
A.M. Best
Products5
Get my free review
Products covered
5
A.M. Best
B++
Categories covered
MYGA
01

5 CL Life annuities

Click any product for rates, specs, and the full peer-group review.

ProductTypeSurrenderRatingIncome riderBonus
Sundance 5-Year
Someone who already has a fresh, carrier-confirmed quote in hand and is comfortable with a B++ carrier and interest-only liquidity for five years
MYGA5yrB++——Review →
Sundance 3-Year
Retirement savers who want a competitive fixed rate locked in for just three years, are comfortable with a B++-rated carrier, and value the flexibility of penalty-free RMD withdrawals without committing to a longer term
MYGA3yrB++——Review →
Sundance 2-Year
Buyers who want a short, no-frills rate lock and are comfortable holding a B++ rated carrier for two years in exchange for a competitive short-duration rate
MYGA2yrB++——Review →
Tarrant Trail 4-Year
Someone who wants a short, four-year commitment with a guaranteed rate floor and doesn't need a rate locked in for the full term
MYGA4yrB++——Review →
Tarrant Trail 6-Year
Conservative savers who want a CD-like, tax-deferred fixed annuity and are genuinely comfortable holding through a full six-year surrender cage while the renewal rate resets every year
MYGA6yrB++——Review →
02

Frequently asked questions

Is CL Life a good annuity company?
We have reviewed 5 CL Life products, and A.M. Best rates the carrier B++ for financial strength.
What is the surrender period for CL Life annuities?
Surrender periods on CL Life's current lineup run 2–6 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.

Sources & standards

How we know what's on this page

Rates, terms & availability
Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail
The carrier's own brochure — minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.
Full methodology →Who publishes this →

See your CL Life income projection

  • Personalized estimate
  • Based on age, premium & goals
  • No pressure, no pitch.
Compare CL Life