02
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 |
03
Frequently asked questions
Is Clear Spring Life a good annuity company?
Clear Spring Life earns an average rating of 3.5/5 across the 2 products we've reviewed, and A.M. Best rates the carrier A- for financial strength.
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 . 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 7–10 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.