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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%

Index Horizons without 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 Accumulation
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 without 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 In addition, for contracts with the GLWB, amounts withdrawn may negatively affect the rider’s future income.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in the first contract year is equal to 10% of the purchase payment, less the total free withdrawal amount previously withdrawn in that contract year.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the first day of the contract year in which the withdrawal is taken, less the total free withdrawal amount previously withdrawn in the same contract year.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 PTP Cap
Point to Point
Annual
7.75% Cap
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
8.25% Cap
1-Year S&P 500 LV DRC 5% PTP Cap
Point to Point
Annual
8.5% Cap
1-Year Fixed Account
Fixed
3.25% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
8.25% Cap
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
8.75% Cap
1-Year S&P 500 LV DRC 5% PTP Cap
Point to Point
Annual
9.5% Cap

Surrender schedule

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

Riders

No Riders for Index Horizons without GLWB annuity.

Waivers

Hospital

Unavailable in states: CA

The Nursing Home and Hospital Withdrawal Benefit Rider 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

The Nursing Home and Hospital Withdrawal Benefit Rider 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

Terminal Illness Benefit Rider 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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