Eagle Select Focus 7
Eagle Life Insurance Company
45%
Best Cap
10%
Free W/D
50
States
Eagle Select Focus 7 is a fixed index annuity that protects your retirement principal while offering growth opportunities tied to market index performance. It's designed for pre-retirees and retirees seeking a balance between security and growth without direct stock market exposure.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$5,000
Surrender
7 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| BlackRock Adaptive US Equity 7% Index | 2-Year | -- | 285% | -- |
| BlackRock Adaptive US Equity 7% Index | Annual | -- | 125% | -- |
| Invesco Dynamic Growth Index | 2-Year | -- | 325% | -- |
| Invesco Dynamic Growth Index | Annual | -- | 115% | -- |
| Invesco QQQ 15 Index | 2-Year | 45% | 100% | -- |
| Invesco QQQ 15 Index | 5Y | -- | 180% | -- |
| Invesco QQQ 15 Index | Annual | 12.5% | 100% | -- |
| S&P 500 Advantage 15% VT TCA Index (USD) ER | 2-Year | 45% | 100% | -- |
| S&P 500 Advantage 15% VT TCA Index (USD) ER | 5Y | -- | 150% | -- |
| S&P 500 Advantage 15% VT TCA Index (USD) ER | Annual | 12.5% | 100% | -- |
| S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return | 2-Year | -- | 165% | -- |
| S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return | Annual | -- | 115% | -- |
| S&P 500 Index | 2-Year | 19.5% | 100% | -- |
| S&P 500 Index | 5Y | 50% | 100% | -- |
| S&P 500 Index | Annual | 9.75% | 100% | -- |
| Fixed Account | Daily | -- | -- | 4.45% |
Key Features
Principal Protection
100% principal guaranteeYour money cannot lose value due to index decreases, and credited interest will never be less than zero
Multiple Crediting Strategies
7 different strategies availableChoose from 7 options including fixed rate, S&P 500, dividend-focused, and volatility-controlled indexes
Tax-Deferred Growth
Defer taxes on gainsInterest credits accumulate without annual tax liability until you withdraw funds
Penalty-Free Withdrawals
10% annual free withdrawalAccess up to 10% of contract value annually after the first contract year without surrender charges
Enhanced Benefit Rider
No cost, included benefitAutomatically included at no cost for ages 75 and under; allows full withdrawal if you require nursing care or are diagnosed with terminal illness
Low Minimum Premium
$5,000 minimumStart building retirement savings with an initial investment of just $5,000 with no premium bands
Flexible Premiums
Add money on your scheduleAdd additional funds to your contract whenever you choose to increase your accumulation
Market Value Adjustment
Applied to excess withdrawalsExcess withdrawals during surrender period are adjusted based on interest rate changes to reflect current market conditions
Death Benefit
No surrender charges on deathProceeds pass to beneficiaries with no surrender charges, either to surviving joint owner or named beneficiary
Highlights
Principal protection: Your money is never directly exposed to the stock market and can't lose value due to index decreases
Growth potential: Choose from multiple index-linked crediting strategies to potentially benefit from market gains
Flexibility: Access your money with penalty-free withdrawals of up to 10% annually after year one
Tax-deferred growth: Let your money accumulate without annual tax burden until withdrawal
Automatic protection: Enhanced Benefit Rider included at no cost for ages 75 and under, covering terminal illness and nursing care
Surrender Schedule
Yr 1
8%
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
Pre-retirees and retirees seeking to protect retirement savings while accessing growth opportunities without direct stock market risk, particularly those concerned about inflation, market volatility, and outliving their money.
Consider Alternatives If
Investors requiring immediate access to funds without penalty or those seeking pure growth without principal protection guarantees should consider other options.
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