Highlander 7
Clear Spring Life
9.75%
Best Cap
10%
Free W/D
50
States
A fixed indexed annuity that lets you capture gains from market indices while protecting your principal from losses. It's designed for people who want growth potential with peace of mind during retirement or accumulation phases.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$5,000
Surrender
7 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | -- | 60% | -- |
| S&P 500 Index | Annual | 9.75% | 100% | -- |
| S&P MARC 5% Excess Return | Annual | -- | 175% | -- |
| Fixed Account | Daily | -- | -- | 4.5% |
Key Features
Principal Protection
Account value never decreases due to market losses; negative returns are credited as zero
Tax Deferral
Federal income tax on interest and index credits is deferred until you withdraw funds
Index Crediting
Earnings are linked to S&P 500 or S&P MARC 5% indices; you participate in gains without direct market exposure
Free Annual Withdrawal
10% annuallyWithdraw up to 10% of account value each year penalty-free, starting in year two
Lifetime Income Option
Convert your annuity to guaranteed income payments that last for life
Issue Age
0–80Can be purchased from birth through age 80
Minimum Premium
$5,000–$10,000Qualified accounts require $5,000 minimum; non-qualified require $10,000
Death Benefit
Full account value paid to beneficiary; surviving spouse can continue the annuity in their name
Nursing Home Waiver
Full account access without surrender charges if confined to nursing home for 90+ days after first year
Terminal Illness Waiver
Full account access without charges if diagnosed with critical illness or deemed terminally ill
Highlights
Principal protection—your account value never decreases due to market losses
Tax-deferred growth on interest and index gains until withdrawal
Upside potential linked to S&P 500 and S&P MARC 5% indices without direct market risk
Simple two-index allocation strategy with no annual fees
Guaranteed income option for life and penalty-free withdrawals of up to 10% annually
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
People at any life stage—from mid-career savers rolling over old 401(k)s, to those receiving inheritances, to retirees seeking to protect gains while maintaining upside potential—who want growth with principal protection and peace of mind.
Consider Alternatives If
Investors who need immediate access to all their funds without surrender charges, or those with a very high risk tolerance seeking maximum market exposure.
Carrier Ratings
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From the AdvisorWorld.com Community