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

Clear Spring Life review

Annuity Atlas covers 12 Clear Spring Life annuity products with live rates and contract specs. 12 carry full editorial reviews.
How we rank →Today's rates →

A.M. Best

A-

Insurer claims-paying rating

Products tracked
12
MYGA yield (lineup max)
6.00% · 5yr · Preserve Multi-Year Guaranteed Annuity 5
Income on $500K (benchmark)
$105,385/yr · ViStar
Surrender range
3–10 years
Rate as of Nov 13, 2023
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Products covered
12
A.M. Best
A-
Categories covered
MYGA · FIA

12 Clear Spring Life annuities

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

Preserve Multi-Year Guaranteed Annuity 5
Savers who want the strongest guaranteed yield anywhere in Clear Spring's Preserve MYGA lineup without locking money up for more than five years
A-
A.M. BEST
MYGA5-YR SURRENDER
Review →
Preserve Multi-Year Guaranteed Annuity 6
Buyers who have already decided on a 6-year horizon for some reason unrelated to rate (a known liquidity date, a laddering strategy, or a preference for round numbers) rather than buyers simply shopping for the best locked yield
A-
A.M. BEST
MYGA6-YR SURRENDER
Review →
Preserve Multi-Year Guaranteed Annuity 7
Savers who want a guaranteed rate locked for a full 7 years and have a specific reason to prefer that exact horizon over a shorter contract
A-
A.M. BEST
MYGA7-YR SURRENDER
Review →
Preserve Multi-Year Guaranteed Annuity 10
Buyers who want a single locked decade of rate certainty and are confident they will not touch the contract before year 10
A-
A.M. BEST
MYGA10-YR SURRENDER
Review →
Preserve Multi-Year Guaranteed Annuity 8
Buyers who specifically need an 8-year rate lock and have already compared it against Clear Spring's own shorter Preserve terms
A-
A.M. BEST
MYGA8-YR SURRENDER
Review →
Preserve Multi-Year Guaranteed Annuity 9
Buyers who have a specific reason to want a 9-year term and are not simply rate-shopping the Preserve MYGA lineup
A-
A.M. BEST
MYGA9-YR SURRENDER
Review →
Preserve Multi-Year Guaranteed Annuity 4
Buyers who want a clean, no-bonus 4-year locked rate and are comfortable shopping the premium bands to see where their deposit lands
A-
A.M. BEST
MYGA4-YR SURRENDER
Review →
Preserve Multi-Year Guaranteed Annuity 3
Savers who want the shortest rate lock in Clear Spring's Preserve MYGA lineup and would rather keep the surrender period short than chase an extra fraction of a point
A-
A.M. BEST
MYGA3-YR SURRENDER
Review →
ClearFlex Fixed Indexed Annuity
Buyers comfortable with a full 10-year commitment who want a wider menu of crediting strategies than a basic FIA offers, plus the option to add a nursing-home-care rider, and who don't need or want a built-in income guarantee
A-
A.M. BEST
FIA10-YR SURRENDER
Review →
Highlander
Buyers who are genuinely comfortable locking money away for a full ten years, want an upfront premium bonus on day one, and like the option of layering a lifetime income rider on later
A-
A.M. BEST
FIA10-YR SURRENDERBONUS 10%
Review →
Highlander 7
Buyers who want a shorter, no-bonus fixed indexed annuity from an A- carrier with a straightforward crediting menu and don't want the cost or complexity of an income rider
A-
A.M. BEST
FIA7-YR SURRENDER
Review →
ViStar Fixed Indexed Annuity
Buyers who are comfortable with a full ten-year commitment, want principal protection with an optional lifetime-income add-on, and are willing to demand a current rate sheet before signing anything
A-
A.M. BEST
FIA10-YR SURRENDER
Review →

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.

PremiumMonthlyAnnual
$250,000$4,391$52,693
$500,000$8,782$105,385
$1,000,000$17,564$210,771

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.

RiderProductFee
Lifetime Withdrawal RiderHighlander0.90% annually
Lifetime Withdrawal Rider (MA, MT)Highlander0.90% annually
ViStar GLWBViStar Fixed Indexed Annuity1.10% annually

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.

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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