Eagle Life Insurance Company

Financial Ratings

AM Best A-Under Review with Developing Implications

S&P Global Ratings AStable

About Eagle Life Insurance Company

Eagle Life Insurance Company® specializes in providing innovative retirement solutions through a diverse portfolio of fixed and fixed index annuities. Their products are designed to offer financial stability and are tailored to meet the needs of clients seeking secure and predictable retirement income.

Product Lineup

Eagle Guarantee Focus Series

Annuity

Fixed annuity with guaranteed rates & principal protection

Principal Protection100% protected from market loss

Guaranteed Interest RateFixed for 3, 5, or 7 years

Tax-Deferred GrowthFaster growth over time

Free Withdrawals10% annual free withdrawal

Best for: People approaching or in retirement who prioritize capital preservation, stable ...

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Eagle Guaranteed Flex 5

Fixed Indexed Annuity

Principal protection with five flexible growth strategies

Five Crediting StrategiesFlexibility to customize risk/return profile

Principal ProtectionZero downside market risk

Annual ReallocationAdapt strategy as circumstances change

Enhanced Benefit Rider (Included)Peace of mind for health emergencies

Best for: Retirees and near-retirees seeking principal protection with growth potential, w...

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Eagle Select Focus 5

Fixed Indexed Annuity

Protected growth with market upside, no downside risk

Principal Protection

Multiple Crediting Strategies7 options

Free Annual Withdrawals10% annually

Flexible PremiumsStarting at $5,000

Best for: Pre-retirees and retirees who want to protect accumulated savings while pursuing...

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Eagle Select Focus 7

Fixed Indexed Annuity

Protected growth + index upside + flexible access

Principal Protection100% principal guarantee

Multiple Crediting Strategies7 different strategies available

Tax-Deferred GrowthDefer taxes on gains

Penalty-Free Withdrawals10% annual free withdrawal

Best for: Pre-retirees and retirees seeking to protect retirement savings while accessing ...

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Eagle Select Income Focus

Fixed Indexed Annuity

Guaranteed Income + Growth + Lifetime Protection

Lifetime Income Benefit Rider (LIBR)Payout rates range from 4.75% (age 50) to 8.10% (age 79+) for single income

Simple Interest Roll-Up OptionsOption 1 provides higher IAV until year 5-10; Option 2 has higher long-term growth

Wellbeing BenefitDouble income or 50% increase (joint), up to 5 years maximum

Multiple Index OptionsSeven index and fixed rate options to diversify and manage risk

Best for: Individuals ages 50-85 who want guaranteed lifetime income in retirement, prefer...

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Eagle Select Income Focus 10

Fixed Indexed Annuity

Guaranteed lifetime income + growth potential + life event protection

Lifetime Income Benefit Rider (LIBR)1.0% annual rider cost

Accumulation Roll-Up OptionsOption 1: 14% for 5 years | Option 2: 12% for 10 years

Wellbeing Benefit2x income for single payout | 1.5x income for joint payout

Spousal ContinuationContinues until IAV reaches $0

Best for: Retirees and near-retirees (ages 50-80) who want predictable lifetime income, va...

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Eagle Select Income Focus 9

Fixed Indexed Annuity

Guaranteed lifetime income + growth + life event protection

Lifetime Income Benefit Rider (LIBR)Payout rates range from 4.75% (age 50 single) to 8.10% (age 79+ single)

Simple Roll-Up Options14% (5 yrs) vs. 12% (10 yrs); daily crediting adds ~$700/year more income than annual crediting

Wellbeing BenefitUp to 100% income increase; 50% increase for joint payout

Spousal ContinuationThree scenarios covered: death before income starts, single-life income started, or joint-life income

Best for: Individuals ages 50-80 who are approaching or in retirement and want guaranteed ...

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Financial Ratings

Live from CANNEX

Rating Agency

A.M. Best

Rating

Description

Excellent

Effective

August 28, 2025

Rating Agency

Fitch

Rating

Description

Strong

Effective

August 28, 2025

Rating Agency

Standard & Poor's

Rating

Description

Strong

Effective

August 28, 2025

Rating Analysis

Eagle Life Insurance Company holds solid financial strength ratings across major rating agencies, reflecting its strong ability to meet policyholder obligations. AM Best and S&P Global Ratings both assign an A- (Excellent/Strong) rating, indicating a reliable and stable insurer with low risk. Fitch Ratings gives a BBB+ (Good) rating, suggesting good financial health but slightly more sensitivity to economic conditions. Moody’s rates the company A3, denoting upper-medium grade quality and low credit risk. Weiss Ratings assigns a B (Fair), pointing to acceptable financial strength but highlighting some concerns related to profitability or reserves. Overall, these ratings confirm Eagle Life’s position as a financially secure and dependable provider in the annuity and retirement market.