Eagle Select Income Focus 10
Eagle Life Insurance Company
25%
Best Cap
10%
Free W/D
50
States
Eagle Select Income Focus 10 is a fixed index annuity designed to provide guaranteed lifetime income in retirement while allowing your money to grow during the accumulation phase. It's for retirees age 50+ who want predictable income, downside protection, and flexibility to handle life's unexpected events.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$5,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| BlackRock Adaptive US Equity 5% Index | 2-Year | -- | 240% | -- |
| BlackRock Adaptive US Equity 5% Index | Annual | -- | 165% | -- |
| Invesco Dynamic Growth Index | 2-Year | -- | 215% | -- |
| Invesco Dynamic Growth Index | Annual | -- | 150% | -- |
| Invesco QQQ 15 Index | 2-Year | 25% | 100% | -- |
| Invesco QQQ 15 Index | 5Y | -- | 110% | -- |
| Invesco QQQ 15 Index | Annual | 9% | 100% | -- |
| S&P 500 Advantage 15% VT TCA Index (USD) ER | 2-Year | 25% | 100% | -- |
| S&P 500 Advantage 15% VT TCA Index (USD) ER | 5Y | -- | 110% | -- |
| S&P 500 Advantage 15% VT TCA Index (USD) ER | Annual | 9% | 100% | -- |
| S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return | 2-Year | -- | 225% | -- |
| S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return | Annual | -- | 160% | -- |
| S&P 500 Index | 2-Year | 12.75% | 100% | -- |
| S&P 500 Index | Annual | 5.75% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.5% |
Key Features
Lifetime Income Benefit Rider (LIBR)
1.0% annual rider costGuarantees you can receive income for life based on your Income Account Value (IAV) and age. Payout rates range from 4.75% (age 50) to 8.10% (age 79+) for single income.
Accumulation Roll-Up Options
Option 1: 14% for 5 years | Option 2: 12% for 10 yearsChoose between Option 1 (14% simple roll-up for 5 years) or Option 2 (12% simple roll-up for 10 years) to grow your Income Account Value before taking income.
Wellbeing Benefit
2x income for single payout | 1.5x income for joint payoutIf unable to perform 2 of 6 activities of daily living (7 in CA), doubles your income for up to 5 years. Requires no confinement, underwriting, or expense justification.
Spousal Continuation
Continues until IAV reaches $0Your spouse can continue receiving guaranteed lifetime income if you pass away, with flexible options for when they start payments and how much they receive.
Daily Crediting
Can add up to $15,400+ by age 90Simple interest roll-up credits daily, not annually, meaning your IAV grows faster. Example: $700 more annual income vs. annual-only crediting.
Index Options
7 index options + fixed rate availableAllocate funds to multiple market indices (S&P 500, Invesco QQQ, BlackRock Adaptive) or fixed rate strategy for diversified growth.
Surrender Charges
Year 1: 9.1% | Year 10: 1% | Year 11+: 0%Declining surrender charges decrease from 9.1% in year 1 to 0% in year 11+. Annual free withdrawal available (amount varies by contract).
Issue Age Range
Ages 50-80Available to individuals ages 50-80, making it accessible for those in mid-retirement years.
Highlights
Guaranteed lifetime income payments that continue even if your contract value reaches zero
Choose between 14% roll-up for 5 years or 12% roll-up for 10 years during the accumulation phase
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 has guaranteed income if you pass away first
Daily crediting of simple interest means you earn more than annual-only crediting
Surrender Schedule
Yr 1
9.1%
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
Retirees and near-retirees (ages 50-80) who want predictable lifetime income, value downside protection, and need flexibility to handle unexpected life events like health challenges or spousal changes.
Consider Alternatives If
Investors who need immediate liquidity or frequent access to their full contract value without surrender charges, or those seeking maximum market upside with no downside protection.
Carrier Ratings
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