02
What you could receive
Live projection for ViStar with ViStar GLWB — single life, issue age 62, income beginning at age 75. Illustrative, not a quote; figures refresh from Annuity Rate Watch.
| Premium | Monthly | Annual |
|---|---|---|
| $250,000 | $4,391 | $52,693 |
| $500,000 | $8,782 | $105,385 |
| $1,000,000 | $17,564 | $210,771 |
03
Income rider fees
Disclosed charges for optional riders on Clear Spring Life products, live from Annuity Rate Watch. Product-level detail is on each review.
| Rider | Product | Fee |
|---|---|---|
| Lifetime Withdrawal Rider | Highlander | 0.90% annually |
| Lifetime Withdrawal Rider (MA, MT) | Highlander | 0.90% annually |
| ViStar GLWB | ViStar Fixed Indexed Annuity | 1.10% annually |
04
Frequently asked questions
Is Clear Spring Life a good annuity company?
We have reviewed 12 Clear Spring Life products, and A.M. Best rates the carrier A- for financial strength.
How much income can I get from a Clear Spring Life annuity?
Income depends on your premium, age, and start date. At our benchmark scenario — single life, issue age 62, income beginning at age 75 — Clear Spring Life's highest-paying income product (ViStar) currently projects about $105,385 per year on a $500,000 premium, or $52,693 on $250,000. Figures are illustrative, based on live Annuity Rate Watch data, and are not a quote.
What are the fees for Clear Spring Life annuities?
Fee structures vary by product. Optional income riders on Clear Spring Life products carry disclosed charges — for example Lifetime Withdrawal Rider (Highlander): 0.90% annually ; Lifetime Withdrawal Rider (MA, MT) (Highlander): 0.90% annually ; ViStar GLWB (ViStar Fixed Indexed Annuity): 1.10% annually . See each product review for the full fee detail.
What is the surrender period for Clear Spring Life annuities?
Surrender periods on Clear Spring 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.