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

ClearLine Annuity

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Highlights

ClearLine Annuity can help grow your clients’ retirement savings without investing in the stock market. Your clients can receive interest credits based on a portion of the increase of a financial market index, but are guaranteed to never lose money due to market loss.
Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, 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
Surrender schedule
No Surrender Charge
Free withdrawal
10%
Market value adjustment
Return of premium
Minimum contribution
$25,000
Maximum contribution
$3,000,000
Max Age Qualified
80
Types of funds
Non-Qualified, IRA, IRA Rollover, TSA 403b, SEP IRA, IRA-Roth, Inherited IRA, NQ Stretch, and TSP
Brochure
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Premium Notes

Note: TSP funds would be accepted as a rollover.

Withdrawal Provisions

Return of Purchase Payment Guarantee Rider
Upon surrender or full annuitization of your Contract, while the Return of Purchase Payment Rider is in effect (starting on the 3rd contract anniversary and ending on the 7th contract anniversary), the Cash Surrender Value will at least equal the Return of Purchase Payment Amount which is equal to the Purchase Payment reduced by all amounts deducted from the Account Value prior to surrender or full annuitization.

10% Free Withdrawal
Before the first Contract Anniversary, you may withdraw for free up to 10% of your Purchase Payment. After the first Contract Anniversary through the surrender charge period, you may withdraw for free up to 10% of your Account Value as of the beginning of the Contract Year. Free withdrawals do not apply to full surrender or annuitization, and are not subject to a surrender charge or MVA. 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
5.25% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
12.5% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
3.5% Cap
1-Year S&P 500 LV DRC 5% TR PTP Participation Rate with Spread
Point to Point
Annual
100% Participation
0.75% Spread
1-Year Avantis Barclays Volatility Control PTP Participation Rate
Point to Point
Annual
115% Participation
1-Year Fixed Account
Fixed
5.35% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
13% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
4% Cap
1-Year S&P 500 LV DRC 5% TR PTP Participation Rate with Spread
Point to Point
Annual
100% Participation
0.5% Spread
1-Year Avantis Barclays Volatility Control PTP Participation Rate
Point to Point
Annual
120% Participation

Surrender schedule

Year
Penalty

Riders

No Riders for ClearLine Annuity annuity.

Waivers

Nursing Home

Unavailable in states: CA, and MA

We will waive the surrender charge and MVA on full or partial withdrawals after the 3rd Contract Year, provided the owner satisfies eligibility conditions for the Nursing Home Waiver.

Terminal Illness

Unavailable in states: CA, and NJ

We will waive the surrender charge and MVA on full or partial withdrawals after the 3rd Contract Year, provided the owner satisfies eligibility conditions for the Terminal Illness Waiver.

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