Clear Spring Life
Clearflex Fixed Indexed Annuity
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
1.35%
A.M. Best
A-
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 Rate | Fixed | 4.60% | — | — | 1.35% |
| 1-Year BNP Paribas Technology Balanced 7 Pt-to-Pt with Participation Rate | Point to Point | — | — | 135.00% | 0.90% |
| 1-Year S&P 500 Index Pt-to-Pt with Annual Cap | Point to Point | — | 10.00% | — | 0.90% |
| 1-Year S&P 500 Index Pt-to-Pt with Participation Rate | Point to Point | — | — | 50.00% | 0.90% |
| 1-Year S&P 500 Sector Rotator Daily RC2 5% Index ER Pt-to-Pt with Participation Rate | Point to Point | — | — | 155.00% | 0.90% |
| 1-Year S&P MARC 5% Excess Return Index Pt-to-Pt with Participation | Point to Point | — | — | 180.00% | 0.90% |
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)
- $10,000
- Minimum premium (qualified)
- $5,000
- Maximum issue age
- 80
- Free withdrawal
- 10%
- Free withdrawal (year 1)
- 10%
- Market value adjustment
- Yes
- Return of premium
- No
- States available
- 50 states
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. Annuities are issued by insurance companies and are not guaranteed by any bank or the FDIC. See our legal & disclosures.