The Standard (Legacy)
Eclipsemarksm 5
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
5 years
Top yield
4.00%
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 |
|---|---|---|---|---|---|
| 5-Year Fixed Interest Account | Fixed | 4.00% | — | — | 4.00% |
| 5-Year Fixed Interest Account | Fixed | 3.75% | — | — | 3.75% |
| 1-Year BofA Global MegaTrends Index Point-to-Point with Participation Rate | Point to Point | — | — | 100.00% | 0.08% |
| 1-Year BofA Global MegaTrends Index Point-to-Point with Participation Rate | Point to Point | — | — | 115.00% | 0.08% |
| 1-Year S&P 500 IQ Index Point-to-Point Duo Growth Rate | Point to Point | — | 5.50% | — | 0.08% |
| 1-Year S&P 500 IQ Index Point-to-Point Duo Growth Rate | Point to Point | — | 6.50% | — | 0.08% |
| 1-Year S&P 500 IQ Index Point-to-Point With Cap | Point to Point | — | 9.75% | — | 0.08% |
| 1-Year S&P 500 IQ Index Point-to-Point With Cap | Point to Point | — | 10.75% | — | 0.08% |
| 1-Year S&P 500 IQ Index Point-to-Point With Participation Rate | Point to Point | — | — | 50.00% | 0.08% |
| 1-Year S&P 500 IQ Index Point-to-Point With Participation Rate | Point to Point | — | — | 55.00% | 0.08% |
| 1-Year S&P 500 Point-to-Point With Cap | Point to Point | — | 7.00% | — | 0.08% |
| 1-Year S&P 500 Point-to-Point With Cap | Point to Point | — | 8.00% | — | 0.08% |
| 1-Year S&P 500 Point-to-Point With Cap Lock* | Point to Point | — | 5.50% | — | 0.00% |
| 1-Year S&P 500 Point-to-Point With Cap Lock* | Point to Point | — | 6.25% | — | 0.00% |
Surrender Schedule
Yr 1
9.4%
Yr 2
8.5%
Yr 3
7.5%
Yr 4
6.5%
Yr 5
5.5%
Product Specifications
- Minimum premium (non-qualified)
- $25,000
- Minimum premium (qualified)
- $25,000
- Maximum issue age
- 90
- Free withdrawal
- 15%
- Free withdrawal (year 1)
- 0%
- Market value adjustment
- true
- Return of premium
- false
- States available
- 49 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.