ViStar
Clear Spring Life
6%
Best Cap
10%
Free W/D
50
States
ViStar is a fixed indexed annuity that lets you grow your money while protecting your principal from market downturns, with the option to create guaranteed lifetime income. It's designed for people who want growth potential without market risk and peace of mind in retirement.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$5,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| S&P 500 Index | Annual | 6% | 100% | -- |
| S&P 500 Sector Rotator Daily RC2 5% Index ER | Annual | -- | 125% | -- |
| S&P Economic Cycle Factor Rotator Index | Annual | -- | 125% | -- |
| S&P MARC 5% Excess Return | Annual | -- | 140% | -- |
| Fixed Account | Daily | -- | -- | 3.5% |
Key Features
Principal Protection
100% protectedYour principal is never exposed to market losses, even if the index declines
Index-Linked Growth
Cap rate, participation rate, or fixed rate optionsEarn interest based on market index performance through multiple crediting strategies
Tax Deferral
Tax-deferred accumulationInterest and index credits grow tax-free until you withdraw money from the contract
Penalty-Free Withdrawals
10% annual accessAccess up to 10% of account value each year starting in year 2 without surrender charges
Annual Reallocation
Flexible yearly adjustmentsAdjust your crediting strategy allocation on each contract anniversary to match changing conditions
Lifetime Income Rider
1.10% annual feeOptional rider provides guaranteed income payments for as long as you live
Highlights
Principal is 100% protected from market losses while you still earn interest based on market performance
Optional Lifetime Withdrawal Rider provides guaranteed income for life regardless of market conditions
Flexible crediting strategies (fixed rate, cap rate, participation rate) that you can adjust annually
Tax-deferred growth on interest and index credits until you take withdrawals
Multiple rider options including nursing home care, terminal illness, and lifetime income benefits
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
Best For
People near or in retirement who want growth potential with principal protection, consistent income, and flexibility to adjust their strategy based on changing markets.
Consider Alternatives If
Investors who need immediate liquidity or who can tolerate significant market risk in pursuit of higher returns should look at other investments.
Carrier Ratings
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From the AdvisorWorld.com Community