7%
1-yr guarantee · 4-yr surrender schedule · $20,000+ premium
10%
Free W/D
23
Available states
Rates as of August 5, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for CL Tarrant Trail 4-Year
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this CL Life product.
Live product data
Rates as of August 5, 2026, from AdvisorWorld and CANNEX.
1-year guaranteed rate
7% guaranteed for 1 years
A state-limited CL Life fixed annuity with a live one-year rate guarantee inside a longer surrender schedule.
Best fit
Buyers who understand the difference between the current guarantee window and the surrender term and can accept later renewal risk.
Available guarantee terms
1 year
AM Best
B++ Good
Surrender period
4 years
Free withdrawal
10%/yr
Availability
23 states (restricted footprint)
Product analyst notes
How to think about this contract
Why it can stand out
- The current rate is a flat guarantee rather than a first-year teaser or a guaranteed-minimum-interest renewal rate.
- An annual free-withdrawal provision and required-distribution waiver provide limited access during the surrender schedule.
What to confirm
- The live guarantee period is shorter than the surrender schedule, so buyers carry renewal-rate risk after the current guarantee expires.
- The contract has a limited state footprint, a market value adjustment, and no index-linked growth or lifetime-income rider.
Not ideal for
Buyers seeking a rate guaranteed for the full surrender period, broad state availability, or market-linked upside.
Free Comparison Report
Get a CL Tarrant Trail 4-Year rate report
See how CL Tarrant Trail 4-Year compares for your age, state, premium, and income goals alongside other CL Life MYGA options.
Guaranteed Rates by Term
| Term | Surrender term | Published rate |
|---|---|---|
| 1-Year | 4-Year schedule | 7%Rate convention not stated |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
1RMD waiver
Death benefit
Standard CV Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
4-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
After
0%
RMD waiver, Surrender waivers
Carrier Ratings
Free Comparison Report
Get a CL Tarrant Trail 4-Year rate report
See how CL Tarrant Trail 4-Year compares for your age, state, premium, and income goals alongside other CL Life MYGA options.