Clear Spring Life
Highlander
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
2.23%
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 Strategy | Fixed | 3.60% | — | — | 2.23% |
| S&P 500 1-Year Point-To-Point With Cap | Point to Point | — | 7.25% | — | 1.87% |
| S&P 500 1-Year Point-To-Point With Participation | Point to Point | — | — | 45.00% | 1.87% |
| S&P 500 MARC 5% ER 1-Year Pt-to-Pt w/Participation | Point to Point | — | — | 170.00% | 1.87% |
| S&P 500 Dynamic Intraday 1-Year Pt-to-Pt w/Participation | Point to Point | — | — | 55.00% | — |
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)
- $10,000
- Minimum premium (qualified)
- $5,000
- Maximum issue age
- 80
- Free withdrawal
- 10%
- Free withdrawal (year 1)
- 0%
- Market value adjustment
- true
- Return of premium
- false
- States available
- 51 states
Income Riders
Lifetime Withdrawal Rider
Roll-up: 4.00% + Interest x 1.00 multiplier
Withdrawal age: 50.0 Min
Lifetime Withdrawal Rider (MA, MT)
Roll-up: 4.00% + Interest
Withdrawal age: 50.0 Min
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.