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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.30%
7-Year
6.00%
10-Year
5.80%

Eagle Select Income Focus

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Highlights

Eagle Select Income Focus is a Flexible Premium Deferred Index Annuity. This annuity is tax-deferred, which means taxes are not paid on the interest it earns until any distribution occurs. Annuity contracts are long-term in nature and are not meant to be used for money one would anticipate needing in the short-term. 
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 Lifetime Income
Term
7 Years
Surrender schedule
8%8%7%6%5%4%3%
Free withdrawal
1st year: 0%
2nd+ year: 10%
Flexible premium Product Life
Market value adjustment
Return of premium
Launch date
11/14/2019
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, Inherited IRA, and NQ Stretch
Brochure
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Premium Notes

Min Premium
  • $5,000
Max Premium
  • 50-69: $1,500,000
  • 70-74: $1,000,000
  • 75-80: $750,000
  • 81-85: $500,000
Additional money can be sent in whenever (qualified or non-qualified it doesn’t matter). Minimum amount is $100 whether it’s a one time check or an automatic payment. The max contribution would be the max amount for the contract overall.

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
2.45% Fixed
2-Year Invesco Dynamic Growth PTP Participation Rate
Point to Point
Biennial
215% Participation
2-Year BlackRock Adaptive U.S. Equity 5% PTP Participation Rate
Point to Point
Biennial
225% Participation
1-Year BlackRock Adaptive U.S. Equity 5% PTP Participation Rate
Point to Point
Annual
155% Participation
2-Year BlackRock Adaptive U.S. Equity 5% PTP Participation Rate
Point to Point
Biennial
170% Participation
1-Year BlackRock Adaptive U.S. Equity 5% PTP Participation Rate
Point to Point
Annual
115% Participation
1-Year Franklin Global Trends PTP Participation Rate
Point to Point
Annual
100% Participation
2-Year Franklin Global Trends PTP Participation Rate
Point to Point
Biennial
145% Participation
1-Year Franklin Global Trends PTP Participation Rate
Point to Point
Annual
140% Participation
2-Year Franklin Global Trends PTP Participation Rate
Point to Point
Biennial
200% Participation
1-Year Invesco Dynamic Growth PTP Participation Rate
Point to Point
Annual
105% Participation
2-Year Invesco Dynamic Growth PTP Participation Rate
Point to Point
Biennial
150% Participation
1-Year Invesco Dynamic Growth PTP Participation Rate
Point to Point
Annual
150% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
35% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
50% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% (ER) PTP Participation Rate
Point to Point
Annual
150% Participation
2-Year S&P 500 Dividend Aristocrats DRC 5% (ER) PTP Participation Rate
Point to Point
Biennial
210% Participation
2-Year S&P 500 Dividend Aristocrats DRC 5% (ER) PTP Participation Rate
Point to Point
Biennial
150% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% (ER) PTP Participation Rate
Point to Point
Annual
105% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
35% Participation
2-Year S&P 500 PTP Cap
Point to Point
Biennial
9.25% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
25% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
4.5% Cap

Surrender schedule

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

Riders

Name Inbuilt Fee
Eagle Select Income Focus LIBR Option 1 Yes 1.00% annually
Eagle Select Income Focus LIBR Option 2 Yes 1.00% annually

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 and offers both a Qualified Nursing Care Benefit and Terminal Illness Benefit.

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 and offers both a Qualified Nursing Care Benefit and Terminal Illness Benefit.

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 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.

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