Eagle Select Focus 5
Eagle Life Insurance Company
40%
Best Cap
10%
Free W/D
50
States
Eagle Select Focus 5 is a fixed index annuity that protects your principal while offering growth opportunities tied to market index performance. It's designed for people who want retirement savings that balance safety with the potential for gains.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$5,000
Surrender
5 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| BlackRock Adaptive US Equity 7% Index | 2-Year | -- | 280% | -- |
| BlackRock Adaptive US Equity 7% Index | Annual | -- | 125% | -- |
| Invesco Dynamic Growth Index | 2-Year | -- | 145% | -- |
| Invesco Dynamic Growth Index | Annual | -- | 90% | -- |
| Invesco QQQ 15 Index | 2-Year | 40% | 100% | -- |
| Invesco QQQ 15 Index | 5Y | -- | 170% | -- |
| Invesco QQQ 15 Index | Annual | 11.5% | 100% | -- |
| S&P 500 Advantage 15% VT TCA Index (USD) ER | 2-Year | 40% | 100% | -- |
| S&P 500 Advantage 15% VT TCA Index (USD) ER | 5Y | -- | 140% | -- |
| S&P 500 Advantage 15% VT TCA Index (USD) ER | Annual | 11.5% | 100% | -- |
| S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return | 2-Year | -- | 150% | -- |
| S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return | Annual | -- | 90% | -- |
| S&P 500 Index | 2-Year | 19% | 100% | -- |
| S&P 500 Index | 5Y | 48% | 100% | -- |
| S&P 500 Index | Annual | 9.5% | 100% | -- |
| Fixed Account | Daily | -- | -- | 4.35% |
Key Features
Principal Protection
Cannot lose money due to index decreases; interest credited will never be less than zero
Multiple Crediting Strategies
7 optionsChoose from 7 index-linked strategies including fixed rate, S&P 500, dividend aristocrats, and target-volatility indexes
Free Annual Withdrawals
10% annuallyWithdraw up to 10% of contract value each year after year one without surrender charges
Flexible Premiums
Starting at $5,000Add funds to your contract whenever you choose to build your retirement savings
Enhanced Benefit Rider
No additional costAutomatically included at no cost for ages 75 and under; provides access to 100% of contract value if diagnosed with terminal illness or confined to nursing care for 90+ days
Tax-Deferred Growth
Interest credits accumulate without annual tax liability until withdrawal
Market Value Adjustment
Excess withdrawals during surrender period adjusted based on current interest rate environment
Highlights
Principal protection—your money won't lose value if the market declines
Growth potential through index-linked crediting strategies without direct stock market exposure
Flexible premium feature lets you add money when it works for you
Automatic terminal illness and nursing care benefits included at no extra cost
Tax-deferred growth and low entry point starting at just $5,000
Surrender Schedule
Yr 1
8%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Pre-retirees and retirees who want to protect accumulated savings while pursuing modest growth, are concerned about market downturns, and prefer predictable, stable retirement income options.
Consider Alternatives If
Investors seeking aggressive growth, those who need immediate access to all their funds without penalties, or individuals uncomfortable with long-term commitments.
Carrier Ratings
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