Ceres Life
Graybar Incomeplus Fia
Rates and specifications only. Our editorial review of this product hasn't been written yet, so there's no star rating or verdict here — the figures below come straight from the carrier's filed rates and brochure.
Type
FIA
Surrender
10 years
Top yield
0.65%
A.M. Best
B++
This carrier is rated below A− (our floor for recommending a product). We still publish its rates and specs, but it will not appear in our recommendations.
Current Rates
Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate. Each row is a variant of the same product.
| Strategy | Method | Rate | Cap | Par | Yield to surrender |
|---|---|---|---|---|---|
| 1-Year Fixed Account Interest Rate | Fixed | 2.00% | — | — | 0.65% |
| 1-Year S&P 500 Dynamic Intraday TCA Annual Point to Point Account with Participation Rate | Point to Point | — | — | 20.00% | — |
| 1-Year S&P 500 Index Annual Point to Point Account with Cap | Point to Point | — | 3.50% | — | — |
| 1-Year S&P 500 Index Annual Point to Point Account with Participation Rate | Point to Point | — | — | 20.00% | — |
| 1-Year S&P MARC 5% Index Annual Point to Point Account with Participation Rate | Point to Point | — | — | 40.00% | — |
Surrender Schedule
Yr 1
10%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
Product Specifications
- Minimum premium (non-qualified)
- $25,000
- Minimum premium (qualified)
- $25,000
- Maximum issue age
- 80
- Free withdrawal
- 10%
- Free withdrawal (year 1)
- 0%
- Market value adjustment
- true
- Return of premium
- false
- States available
- 46 states
Income Riders
Graybar GLWB(built in)
Roll-up: 7.00%
Carrier Brochure
Rates are a snapshot and change frequently. Figures are sourced from the carrier's filed rates via Annuity Rate Watch and refreshed nightly. Nothing here is a recommendation to buy.