Eagle Select Focus 5: Rates & Review

Highlights

Eagle Select Focus 5 is a Flexible Premium Deferred Index Annuity. The contract value at any time is the sum of all premiums received and interest credited to the contract value, less any withdrawals (including withdrawal charges). Premiums received are allocated between a Fixed Interest Strategy and/ or Indexed Strategies as directed. Interest credits become a part of the contract value once credited, and can never be lost due to index volatility.

Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Type	Fixed Index
Purpose	Accumulation
Term	5 Years
Surrender schedule	8%8%7%6%5%
Free withdrawal	1st year: 0% 2nd+ year: 10%
Flexible premium	Product Life
Market value adjustment
Return of premium
Launch date	07/31/2018
Minimum contribution	$5,000
Maximum contribution	$1,500,000
Max Age Qualified	85
Types of funds	Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, and Inherited IRA
Brochure	Open brochure

Find out if the Eagle Select Focus 5 is the right product for you.

Take Questionnaire

Premium Notes

Issue age

18-85
18-75 (inherited non-qualified only)

Min Premium

Qualified and non-qualified: $5,000
Inherited non-qualified: $5,000
Inherited IRA: $100,000 (inherited contracts subject to review)
Additional premium: $1,000 (Additional money can be sent in whenever (qualified or non-qualified it doesn’t matter). The max contribution would be the max amount for the contract overall. Flexible Premium — Additions do not extend surrender period.)

Max Premium

18-69: $1,500,000
70-74: $1,000,000
75-80: $750,000
81-85: $500,000

Withdrawal Provisions

Withdrawals
Withdrawals can be made from the annuity contract any time before the maturity date of the contract. Free withdrawals of up to 10% of the contract value are allowed each contract year beginning in year two.
Free withdrawals are not subject to withdrawal charges. Withdrawal charges will apply to withdrawals taken in excess of the free withdrawal amount. Any withdrawal from the contract will result in a reduction of the contract values.

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	4.25% Fixed
1-Year BlackRock Adaptive U.S. Equity 7% PTP Participation Rate	Point to Point Annual	195% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	62% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% (ER) PTP Participation Rate	Point to Point Annual	250% Participation
2-Year S&P 500 Dividend Aristocrats DRC 5% (ER) PTP Participation Rate	Point to Point Biennial	335% Participation
1-Year BlackRock Adaptive U.S. Equity 7% PTP Participation Rate	Point to Point Annual	150% Participation
2-Year BlackRock Adaptive U.S. Equity 7% PTP Participation Rate	Point to Point Biennial	225% Participation
1-Year BlackRock Adaptive U.S. Equity 7% PTP Participation Rate for Term	Point to Point Annual	120% Participation
1-Year BlackRock Adaptive U.S. Equity 7% PTP Participation Rate for Term	Point to Point Annual	165% Participation
2-Year Invesco Dynamic Growth PTP Participation Rate	Point to Point Biennial	335% Participation
2-Year BlackRock Adaptive U.S. Equity 7% PTP Participation Rate	Point to Point Biennial	295% Participation
1-Year Franklin Global Trends PTP Participation Rate for Term	Point to Point Annual	155% Participation
1-Year Franklin Global Trends PTP Participation Rate for Term	Point to Point Annual	205% Participation
1-Year Invesco Dynamic Growth PTP Participation Rate for Term	Point to Point Annual	165% Participation
1-Year Invesco Dynamic Growth PTP Participation Rate for Term	Point to Point Annual	215% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% (ER) PTP Participation Rate for Term	Point to Point Annual	160% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% (ER) PTP Participation Rate for Term	Point to Point Annual	220% Participation
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	42% Participation
1-Year Invesco Dynamic Growth PTP Participation Rate	Point to Point Annual	245% Participation
2-Year Invesco Dynamic Growth PTP Participation Rate	Point to Point Biennial	250% Participation
1-Year Invesco Dynamic Growth PTP Participation Rate	Point to Point Annual	190% Participation
2-Year Franklin Global Trends PTP Participation Rate	Point to Point Biennial	325% Participation
1-Year Franklin Global Trends PTP Participation Rate	Point to Point Annual	235% Participation
2-Year Franklin Global Trends PTP Participation Rate	Point to Point Biennial	250% Participation
1-Year Franklin Global Trends PTP Participation Rate	Point to Point Annual	185% Participation
2-Year S&P 500 Dividend Aristocrats DRC 5% (ER) PTP Participation Rate	Point to Point Biennial	250% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% (ER) PTP Participation Rate	Point to Point Annual	195% Participation
5-Year S&P 500 PTP Cap	Point to Point 5-Year	40% Cap
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	49% Participation
2-Year S&P 500 PTP Cap	Point to Point Biennial	16.5% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	38% Participation
1-Year S&P 500 PTP Cap for Term	Point to Point Annual	6.25% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	8% Cap

Surrender schedule

Year	1	2	3	4	5
Penalty	8%	8%	7%	6%	5%

Riders

No Riders for Eagle Select Focus 5 annuity.

Waivers

Death

No surrender charges at death

Nursing Home

Unavailable in states: CA, and DE

After the first contract year, one additional free withdrawal of up to 100% of the contract value is allowed if the owner is confined in a qualified care facility for a minimum of 90 days. Confinement must begin after the contract issue date and written proof is required from both the qualified care facility and recommending physician. This no-fee rider is automatically included for ages 75 and under.

Terminal Illness

Unavailable in states: CA

After the first contract year, one additional free withdrawal of up to 100% of the contract value is allowed if the owner is diagnosed with a terminal illness. Diagnosis must occur after the contract is issued and written proof with supporting documentation is required from a qualified physician. This no-fee rider is automatically included for ages 75 and under.

Confinement

Unavailable in states: AL, AK, AZ, AR, CA, CO, CT, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VT, VI, VA, WA, WV, WI, and WY

Included automatically at issue for all ages. After the first contract year, one additional penalty-free withdrawal of up to 100% of the contract value is allowed if the annuitant is confined in a qualified care facility for a minimum of 90 consecutive days (30 consecutive days for hospice). Confinement must begin after the first contract year and written proof is required from both the qualified care facility and recommending physician.

Ready to Protect Your Financial Future?

Request a free quote or talk to our financial expert to get help

Take Questionnaire Ask an Expert

Fixed

Income

Investment

Learn the basics

Reviews