A.M. Best A- rated · 5 products
Clear Spring Life Annuities — A- Rated
Clear Spring Life is an A.M. Best A--rated annuity carrier. The current lineup includes 5 fixed indexed and multi-year guaranteed annuity products. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.
Current rating
A-
A.M. Best
Annuity products
5
5 products across FIA and MYGA families
Reviewed
June 9, 2026
Product lineup reviewed against current rates.
Lineup Snapshot
Available annuity families and product-type context.
- Product pages
- 4 FIA product pages, 1 MYGA product page
- Product families
- Highlander, ClearFlex, Preserve Multi Year Guaranteed Annuity, ViStar
- Product types
- FIA, MYGA
Financial Strength
Financial-strength ratings reflect an insurer's claims-paying ability, not the performance of any annuity contract.
Product Highlights
Current Annuity Highlights
Loading current rates, rider rows, index choices, and contract terms.
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Carrier Profile
About Clear Spring Life
Clear Spring Life and Annuity Company is a U.S.-based insurer that focuses on annuity products for retirement planning. Founded in 1985 and headquartered in Zionsville, Indiana, the company is a subsidiary of Group 1001, a financial services group. Clear Spring Life offers a range of annuities, including Fixed Indexed Annuities (FIAs), which provide potential growth linked to market indices with downside protection; Multi-Year Guaranteed Annuities (MYGAs), which offer fixed interest rates for terms between 3 and 10 years, delivering predictable returns; and Single Premium Immediate Annuities (SPIAs), designed to provide immediate, guaranteed income for retirees. These products are distributed through independent marketing organizations, reflecting the company’s goal of making annuity-based retirement solutions accessible and easy to understand
Financial Strength In Plain English
Clear Spring Life and Insurance Company holds an A- rating from AM Best, indicating strong financial stability and reliability in the insurance sector. This rating reflects the company's sound capitalization, disciplined risk management, and steady operational performance. Clear Spring Life has built a solid reputation in the life insurance and annuity markets, backed by a well-established infrastructure and prudent business strategies. The stable outlook associated with this rating suggests that Clear Spring Life is expected to maintain its financial health and continue delivering consistent results over the long term.
ARHQ Notes
From Our Coverage
First-party review context and product-page notes, kept separate from current rate tables.
Product Highlights
Short notes from product pages.
ClearFlex
A ten-year, A.M. Best A- rated fixed indexed annuity from Clear Spring Life with the widest crediting menu in the carrier's lineup — six strategies spanning the S&P 500 cap, S&P 500 participation, three engineered-index participation strategies (S&P MARC, S&P 500 Sector Rotator, BNP Paribas Technology Balanced 7), and a daily-crediting fixed allocation — with a market value adjustment and no lifetime-income rider in the design.
Open product pagePreserve Multi Year Guaranteed Annuity
A multi-year guaranteed annuity from A.M. Best-rated Clear Spring Life offering multiple filed guarantee-period lengths, a year-by-year-declining surrender ladder, a published annual free-withdrawal allowance, and nursing-home and terminal-illness waivers — filed in 50 jurisdictions (not NY).
Open product pageHighlander
A ten-year, A.M. Best-rated fixed indexed annuity from Clear Spring Life with a published premium bonus vesting over eleven years, built around a no-fee S&P 500 annual point-to-point cap plus participation-rate alternatives on the same and proprietary indexes, with no lifetime-income rider in the design.
Open product pageFeatures
Features
Index options, riders, and term choices pulled into one quick scan.
FIA Products
Highlander
2 product pages
Highlander, Highlander 7
ClearFlex
ClearFlex
Open the product page for live rates, state availability, and term-specific detail.
ViStar
ViStar
Open the product page for live rates, state availability, and term-specific detail.
MYGA Products
Preserve Multi Year Guaranteed Annuity
Preserve Multi Year Guaranteed Annuity
Open the product page for live rates, state availability, and term-specific detail.
Live Coverage
Product Coverage
Each annuity product page links to current rates, terms, and product details.
A002BZ
ClearFlex
- Coverage
- ARHQ product page
- Current rate
- Available
A001U3
Highlander
- Coverage
- ARHQ product page
- Current rate
- Available
A002BX
Highlander 7
- Coverage
- ARHQ product page
- Current rate
- Available
A002C3
ViStar
- Coverage
- ARHQ product page
- Current rate
- Available
A001SU
Preserve Multi Year Guaranteed Annuity
- Coverage
- ARHQ product page
- Current rate
- Available
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Important Notes
Items that may differ from older reviews, cached pages, or carrier materials.
Clear Spring has both FIA and MYGA products here; Highlander variants, ClearFlex, and ViStar stay separate because the product pages carry different feature and term detail.
Preserve is the fixed-rate product in this carrier profile.
Ranked screens may show fewer products after state, premium, product type, strategy, and ranking filters.
Similar product names stay on separate pages when the data maps them as distinct products or contract versions.
Source Links
Carrier and ARHQ product pages used for this profile.
Browse
Clear Spring Life Product Families
Product-list pages carry the full tables, filters, and detail links.
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