Annuity Atlas
Today's top ratesMYGA3yr 6.10%5yr 6.30%7yr 6.35%10yr 6.30%FIA S&P cap3yr 9.70%5yr 16.00%7yr 12.90%10yr 17.00%
As of Oct 26 · B++ or betterAll rates →

Expert review · 2026

CL Life review

Annuity Atlas covers 11 CL Life annuity products with live rates and contract specs. 5 carry full editorial reviews.
How we rank →Today's rates →

A.M. Best

B++

Insurer claims-paying rating

Products tracked
11
MYGA yield (lineup max)
6.25% · 5yr · Sundance 5-Year
Surrender range
2–10 years
Rate as of Oct 21, 2026
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Products covered
11
A.M. Best
B++
Categories covered
MYGA

11 CL Life annuities

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

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
B++
A.M. BEST
MYGA5-YR SURRENDER
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
B++
A.M. BEST
MYGA3-YR SURRENDER
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
B++
A.M. BEST
MYGA2-YR SURRENDER
Review →
Arrow 10
B++
A.M. BEST
FIA10-YR SURRENDER
Details →
Arrow 5
B++
A.M. BEST
FIA5-YR SURRENDER
Details →
Arrow 7
B++
A.M. BEST
FIA7-YR SURRENDER
Details →
Arrow Max 10
B++
A.M. BEST
FIA10-YR SURRENDER
Details →
Arrow Max 5
B++
A.M. BEST
FIA5-YR SURRENDER
Details →
Arrow Max 7
B++
A.M. BEST
FIA7-YR SURRENDER
Details →
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
B++
A.M. BEST
MYGA4-YR SURRENDER
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
B++
A.M. BEST
MYGA6-YR SURRENDER
Review →

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 2–10 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.

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 →

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