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Fixed Indexed Annuity

ClearFlex

Clear Spring Life

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10%

Best S&P 500 Annual Cap

10%

Free W/D

49

Jurisdictions

Product data status: July 12, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what ClearFlex would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 12, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$312,053
Est. value at age 80 (ClearFlex)
10%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 10% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies ClearFlex's published cap rate (10% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 12, 2026.

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Live rate data

Run live numbers for ClearFlex

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Clear Spring Life product.

Live product data

Rates as of July 12, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual point-to-point cap

10% cap on S&P 500

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.

1-year term10-year surrenderAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers committing to a full ten-year deferral who want the widest engineered-index menu in the Clear Spring FIA lineup — particularly buyers who specifically value the BNP Paribas Technology Balanced 7 thematic strategy or the S&P 500 Sector Rotator alongside a recognizable S&P 500 cap — and can accept an MVA on early surrenders above the published free-withdrawal allowance.

AM Best

A- Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. California, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

10% cap rate

Annual cap

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

50% participation rate

Participation

1-year term · 10-year surrender · Premium band not shown

Fixed Account

Fixed Account

4.6% declared rate

Fixed account

1-year term · 10-year surrender · Premium band not shown

+ 3 additional crediting options (S&P MARC, S&P 500, Balanced)

Product analyst notes

How to think about this contract

Why it can stand out

  • Crediting menu is the widest in the Clear Spring FIA lineup — six strategies on a single contract, including the S&P 500 cap, an S&P 500 participation alternative, three proprietary engineered-index participation strategies, and a daily-crediting fixed allocation. A buyer can blend across cap, participation, sector-rotation, and thematic-technology designs inside one contract.
  • BNP Paribas Technology Balanced 7 is unusual on the Clear Spring menu: a thematic-technology engineered index a buyer cannot get on the Highlander or ViStar chassis. For buyers who specifically want a tech-tilted participation strategy, this is the contract that carries it.
  • Crediting also includes the S&P 500 Sector Rotator Daily RC2 5% ER — a sector-rotation engineered design distinct from the standard S&P 500 — alongside the recognizable S&P 500 cap, so a buyer can mix a like-for-like benchmark cap with a sector-rotation alternative on the same contract.
  • Standard accumulation liquidity package is fully visible on this page — the published annual free-withdrawal allowance, the full ten-year surrender ladder, and nursing-home and terminal-illness surrender waivers — rather than gated behind a sales brochure.

What to confirm

  • There is no lifetime-income rider on this contract in the live data. Do not pitch ClearFlex as a guaranteed lifetime-withdrawal product — its job is index-linked accumulation across a wide engineered-index menu, not income.
  • A market value adjustment (MVA) applies on surrenders above the published free-withdrawal allowance during the ten-year surrender period. If interest rates rise after issue, an early surrender can return less than the account value — the MVA is in addition to, not in place of, the scheduled surrender charge.
  • Four of the six crediting strategies (S&P MARC 5% Excess Return, S&P 500 Sector Rotator Daily RC2 5% ER, BNP Paribas Technology Balanced 7, and the S&P 500 Index participation strategy when compared to the cap) sit on proprietary or engineered designs. Participation rates on engineered indexes can look high in absolute terms but are not directly comparable to an uncontrolled S&P 500 cap, and the engineered indexes carry shorter live-track histories than the S&P 500 — evaluate each on its own forward characteristics rather than the participation headline alone.
  • The filing is not available in California or New York — confirm state availability before recommending to buyers in either jurisdiction; Clear Spring's other FIAs (Highlander, Highlander 7, ViStar) are available in California, so a CA buyer who wants Clear Spring's accumulation chassis can compare those alternatives. The death benefit on this contract is the standard contract value rather than a rolled-up or stepped-up income base.

Not ideal for

Buyers who need a contractually guaranteed lifetime-withdrawal rate from a GLWB rider, want a stepped-up or rollup-enhanced death benefit, are unwilling to carry an MVA on early surrenders, or live in California or New York — the filing is not available in either of those states and none of those features are what this contract is built to deliver.

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All crediting strategies

View rate listings (6 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 180% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrender

Par: 155% · 1-yr

S&P 500 Sector Rotator Daily RC2 5% Index ER

participation

10-yr surrender

Par: 135% · 1-yr

BNP Paribas Technology Balanced 7 Index

participation

10-yr surrender

Par: 50% · 1-yr

S&P 500 Index

participation

10-yr surrender

Cap: 10% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 4.6% · 1-yr

Fixed Account

fixed

10-yr surrender

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Linked review

ClearFlex review notes

Explore the Clear Spring ClearFlex Fixed Indexed Annuity, offering tax-deferred growth, principal protection, and flexible withdrawal options.

4.5/5Read review
Nikhil Bhauwala

Common questions about ClearFlex

● Can I lose money in ClearFlex?

A negative index return by itself does not reduce the contract's account value: ClearFlex credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The surrender period runs 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do ClearFlex's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current ClearFlex strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

1.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

10%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

ClearFlex-Brochure-4.pdf

Confidence: highReviewed Apr 7, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

ClearFlex currently shows 6 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 3 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 10% annual cap
  • S&P 500 Index: 50% annual participation rate
  • Fixed Account: 4.6% fixed account rate

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as ClearFlex-Brochure-4.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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