Eagle Select Income Focus
Eagle Life Insurance Company
20%
Best Cap
10%
Free W/D
50
States
A fixed index annuity designed to provide guaranteed lifetime retirement income with the ability to grow your account value before you start taking payments. Built for people who want income security combined with growth potential and protection against unexpected health events.
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 5% Index | 2-Year | -- | 220% | -- |
| BlackRock Adaptive US Equity 5% Index | Annual | -- | 150% | -- |
| Invesco Dynamic Growth Index | 2-Year | -- | 195% | -- |
| Invesco Dynamic Growth Index | Annual | -- | 135% | -- |
| Invesco QQQ 15 Index | 2-Year | 20% | 100% | -- |
| Invesco QQQ 15 Index | 5Y | -- | 100% | -- |
| Invesco QQQ 15 Index | Annual | 7.75% | 100% | -- |
| S&P 500 Advantage 15% VT TCA Index (USD) ER | 2-Year | 20% | 100% | -- |
| S&P 500 Advantage 15% VT TCA Index (USD) ER | 5Y | -- | 100% | -- |
| S&P 500 Advantage 15% VT TCA Index (USD) ER | Annual | 7.75% | 100% | -- |
| S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return | 2-Year | -- | 205% | -- |
| S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return | Annual | -- | 145% | -- |
| S&P 500 Index | 2-Year | 11.25% | 100% | -- |
| S&P 500 Index | Annual | 5% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.15% |
Key Features
Lifetime Income Benefit Rider (LIBR)
Payout rates range from 4.75% (age 50) to 8.10% (age 79+) for single incomeProvides guaranteed income for life starting at any point after the first contract anniversary. Income amount is based on your Income Account Value and your age when you start payments.
Simple Interest Roll-Up Options
Option 1 provides higher IAV until year 5-10; Option 2 has higher long-term growthChoose Option 1 (14% for 5 years) for faster growth or Option 2 (12% for 10 years) for longer accumulation. Both credit daily for better compounding than annual crediting.
Wellbeing Benefit
Double income or 50% increase (joint), up to 5 years maximumIf you can't perform two activities of daily living, this benefit doubles your annual income for up to 5 years with no underwriting, confinement, or expense justification required.
Multiple Index Options
Seven index and fixed rate options to diversify and manage riskAllocate funds to various index strategies including BlackRock Adaptive US Equity 5% Index, S&P 500, Invesco QQQ 15 Index, or a fixed rate strategy.
Spousal Continuation Options
Three continuation scenarios based on your income electionYour surviving spouse can continue receiving guaranteed lifetime income with flexible options depending on whether you started payments and chose single or joint income.
Flexible Income Start
Available from age 50 to 85 at issueStart guaranteed lifetime income anytime after the first contract anniversary, allowing your account to continue growing while you work.
Surrender Charges
8% year 1-2, declining to 0% by year 8Decreasing surrender charges apply to excess withdrawals. Free annual withdrawals available; charges decline from 8% in year 1 to 0% by year 8.
Highlights
Guaranteed lifetime income that continues even if your account value reaches zero
Daily-credited simple interest roll-up grows your income account value faster than annual crediting
Wellbeing Benefit doubles income for up to 5 years if you can't perform two activities of daily living—no confinement required
Spousal continuation options ensure your spouse receives guaranteed income if you pass away first
Choose between higher growth (14% for 5 years) or longer accumulation (12% for 10 years) based on your timeline
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
Individuals ages 50-85 who want guaranteed lifetime income in retirement, prefer tax-deferred growth, and value protection against longevity risk and unexpected health events.
Consider Alternatives If
People who need immediate access to funds without penalties, prefer high liquidity, or cannot afford to wait through a deferral period before taking income.
Carrier Ratings
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