Eagle Select Income Focus 9
Eagle Life Insurance Company
25%
Best Cap
10%
Free W/D
Eagle Select® Income Focus 9 is a fixed index annuity designed for retirees who want guaranteed lifetime income they can't outlive, combined with growth potential and protection for unexpected life events. It's ideal for people age 50-80 seeking retirement income security with flexibility to defer or start payments on their own timeline.
Free Withdrawal
10%/yr
Available In
1 states
Min Premium
$5,000
Surrender
9 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)
Payout rates range from 4.75% (age 50 single) to 8.10% (age 79+ single)Provides guaranteed income for life starting at any point after the first contract anniversary, regardless of market performance or contract value depletion
Simple Roll-Up Options
14% (5 yrs) vs. 12% (10 yrs); daily crediting adds ~$700/year more income than annual creditingChoose between a 14% roll-up for 5 years or a 12% roll-up for 10 years, credited daily to grow your Income Account Value faster
Wellbeing Benefit
Up to 100% income increase; 50% increase for joint payoutActivates if you're unable to perform two activities of daily living; doubles your income for up to 5 years with no confinement requirement
Spousal Continuation
Three scenarios covered: death before income starts, single-life income started, or joint-life incomeSurviving spouse can continue receiving guaranteed income payments or adjust income based on their age and remaining account value
Flexible Income Start
Available from age 50 onward; joint income based on younger spouse's ageBegin lifetime income payments at any time after year one, with the ability to choose single or joint life coverage
Index Diversification
BlackRock Adaptive U.S. Equity 5%, Invesco indices, S&P indices, and fixed rate optionsSeven crediting strategy options including S&P 500, dividend-focused indices, growth indices, and a fixed rate strategy
Surrender Charge Schedule
8% in years 1-2, declining to 0% by year 10Declining surrender charges allow penalty-free access to part of your account; fully free withdrawal at year 10
Highlights
Guaranteed lifetime income that continues even if your contract value reaches $0
Daily-credited simple interest roll-up (12% or 14% options) that grows your income base faster than annual crediting
Wellbeing Benefit that doubles your 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
Multiple index options to diversify growth potential while maintaining downside protection
Surrender Schedule
Yr 1
8%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
Yr 8
2%
Yr 9
1%
After
0%
Best For
Individuals ages 50-80 who are approaching or in retirement and want guaranteed lifetime income they cannot outlive, combined with growth potential and protection against unexpected health events.
Consider Alternatives If
People who need liquidity access to their full account without surrender charges in the first 9 years, or those seeking maximum investment growth without income guarantees.
Carrier Ratings
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