What is the minimum guaranteed surrender value for Eagle Guarantee Focus?

This annuity functions as a long-term contract backed by the financial strength of Eagle Life Insurance Company®. It guarantees growth through fixed interest and protects the original investment from market losses. Clients can access their funds through features like Free Withdrawals, and the product includes benefits for legacy planning, nursing care, and terminal illness. Policyholders have flexible renewal options at the end of the guarantee period and can surrender the contract without penalties if conditions are met.

What is the minimum premium amount for Eagle Guarantee Focus?

The minimum premium amount is $10,000.

What is the maximum issue age for Eagle Guarantee Focus?

The maximum issue age is 85 years.

What is the current interest rate for Eagle Guarantee Focus?

The current interest rate is 4.4%.

What is the surrender charge schedule for Eagle Guarantee Focus?

The Eagle Guarantee Focus® Series applies a surrender charge if the contract is surrendered or if a withdrawal exceeding the free withdrawal amount (typically 10% annually after the first contract year) is taken during the guarantee period. The surrender charge is a declining percentage over the term of the annuity, starting as high as 8% and decreasing annually depending on the selected guarantee period (3, 5, or 7 years). These charges are intended to discourage early withdrawals and help the insurer manage its guaranteed interest obligations. However, exceptions to the surrender charge may apply in cases such as death, qualifying nursing home confinement, or terminal illness, subject to specific contract conditions.

What are the best rates available for Eagle Guarantee Focus?

The best available rate is 5.30% for a 7 year term.

Eagle Life Insurance Company

Eagle Guarantee Focus

About this product

The Eagle Guarantee Focus® Series is a fixed annuity product designed for retirement savings. It offers a stable-money solution that ensures principal protection, tax-deferred growth, and guaranteed interest over set periods (3, 5, or 7 years). The annuity is issued by Eagle Life Insurance Company®, a subsidiary of American Equity Investment Life Insurance Company®, and provides financial tools to help individuals preserve and grow their retirement assets with options for guaranteed lifetime income.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

3 Years	4.65%
5 Years	5.25%
7 Years	5.30%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$10,000.00 - $99,999.00	4.4%
$100,000.00 - $1,000,000.00	4.65%

Features
Maximum Issue Age	85 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage