7.5%
1-yr guarantee · 6-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 6-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
7.5% guaranteed for 1 years
A longer-surrender CL Life fixed annuity whose currently published rate is guaranteed for only one year.
Best fit
Buyers comfortable with annual renewal-rate risk who value a defined free-withdrawal provision during a longer surrender schedule.
Available guarantee terms
1 year
AM Best
B++ Good
Surrender period
6 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 live current rate is a flat guarantee, not a renewal rate.
- Annual free withdrawal and a required-distribution waiver provide defined liquidity during the surrender period.
What to confirm
- The guarantee resets before the surrender schedule ends, leaving the buyer shown to future renewal rates for the remaining years.
- A market value adjustment and limited state availability make this unsuitable for buyers who need predictable early-exit value or nationwide access.
Not ideal for
Buyers who need the current rate locked for the entire surrender term or want index-linked growth or lifetime income.
Free Comparison Report
Get a CL Tarrant Trail 6-Year rate report
See how CL Tarrant Trail 6-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 | 6-Year schedule | 7.5%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
6-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
After
0%
RMD waiver, Surrender waivers
Carrier Ratings
Free Comparison Report
Get a CL Tarrant Trail 6-Year rate report
See how CL Tarrant Trail 6-Year compares for your age, state, premium, and income goals alongside other CL Life MYGA options.