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2-Year
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3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%
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Index Horizons with GLWB

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Highlights

Index Horizons is a single premium deferred fixed index annuity contract. Index Horizons offers an optional Guaranteed Lifetime Withdrawal Benefit Rider (GLWB) for an additional charge. 

Index Horizons is issued by C.M. Life Insurance Company (CM Life) and provides owners with access to three index accounts and a fixed account.
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%8%7%6%5%4%
Free withdrawal
 10%
Market value adjustment
Return of premium
Minimum contribution
 $25,000
Maximum contribution
 $1,500,000
Max Age Qualified
 75
Types of funds
 Non-Qualified, IRA, and IRA-Roth
Brochure
 Open brochure

Find out if the Index Horizons with GLWB is the right product for you.

Premium Notes

Single purchase payment limits 
  • Minimum: $25,000 
  • Maximum (w/o Home Office approval): $1.5 million 
Market types 
  • Non-Qualified 
  • Qualified — IRA, Roth IRA, Custodial IRA

Withdrawal Provisions

Partial withdrawals
May be subject to surrender charges and market value adjustments if the withdrawal exceeds the free withdrawal amount. In addition, for contracts with the GLWB, amounts withdrawn may negatively affect the rider’s future income.

Free withdrawal amount
Each contract year, you may withdraw a portion of your contract value free from any surrender charge. The free withdrawal amount in the first contract year is equal to 10% of the purchase payment, less the total free withdrawal amount previously withdrawn in that contract year. The free withdrawal amount in subsequent contract years is equal to 10% of the contract value as of the first day of the contract year in which the withdrawal is taken, less the total free withdrawal amount previously withdrawn in the same contract year. Unused free withdrawal amounts cannot be carried over. 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.25% Fixed
1-Year S&P 500 LV DRC 5% PTP Cap
Point to Point
Annual
9.25% Cap
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
9% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
8.5% Cap
1-Year Fixed Account
Fixed
3.25% Fixed
1-Year S&P 500 LV DRC 5% PTP Cap
Point to Point
Annual
10.25% Cap
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
9.5% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
9% Cap

Surrender schedule

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

Riders

Name Inbuilt Fee
Index Horizons GLWB rider Yes 1.00% annually

Waivers

Hospital

Unavailable in states: CA

This benefit will allow the owner to withdraw some or all of their contract value without incurring a surrender charge and MVA, if confined to a nursing home.

Nursing Home

Unavailable in states: CA

This benefit will allow the owner to withdraw some or all of their contract value without incurring a surrender charge and MVA, if confined to a nursing home.

Terminal Illness

This benefit will allow the owner to withdraw some or all of their contract value without incurring a surrender charge and MVA, if diagnosed with a terminal illness or terminal condition resulting from bodily injury and/or disease.

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