Multi-Year Guaranteed Annuity
Clear Income Advantage - FP Series
Guarantee terms
Not published
Free withdrawal
10% published tier; confirm timing and exceptions
Market value adj.
Applies
Minimum premium
$50,000
Availability
50 jurisdictions (49 states + DC; feed also lists GU, PR, VI)
Surrender schedule
7-year option published contract option; match to the selected rate before purchase
Interest crediting
Confirm per quote
Rates effective
Sep 7, 2026
Guaranteed rates by term
No current marketed rate passed the display-integrity checks for this contract.
The available feed values are withheld because they may represent minimum-guarantee or contract-floor figures rather than a rate currently offered to buyers. Confirm a current carrier illustration before comparing this product.
Lifetime income benefit
Published payout and charge terms for the contract’s income benefit.
GLWB
Guaranteed Lifetime Withdrawal Benefit
Payout rate not published · 0.95% annual rider fee · Mandatory benefit
Getting money out
What it costs to leave early, and what you can take without a charge.
Surrender schedule · published contract options
A term-matched surrender schedule is not published for this rate row. Confirm the applicable contract schedule before purchase.
A market value adjustment may still raise or lower proceeds when it applies.
Penalty-free access
Items marked “not published” remain questions for the issued contract; this page does not infer answers.
How to think about this contract
Editorial interpretation stays separate from the contract data above.
Where it stands out
- A mandatory guaranteed lifetime withdrawal benefit publishes both a current scenario payout rate and an annual rider charge.
- The contract presents one long fixed-rate guarantee period rather than requiring a choice among many rate-lock terms.
- A free-withdrawal allowance is published together with activities-of-daily-living, nursing-home, required-minimum-distribution, and unemployment waivers.
- Systematic withdrawals are available under the published contract facts.
- The issuing carrier carries the highest A.M. Best rating shown in the current data.
What to confirm
- The lifetime-income benefit is mandatory rather than optional, so its annual charge is part of evaluating the contract.
- A market value adjustment applies to the selected contract data and can change surrender proceeds in addition to any surrender charge.
- Return of premium is not published as an available feature, so an early exit can return less than the original deposit.
- The published rate row begins at a higher deposit than the contract-level minimum; buyers below that rate band must confirm what rate, if any, applies.
Contract facts
Everything the normalized public CANNEX contract reports. Gaps are labeled, not guessed.
Premium
$50,000 minimum
$3,000,000 maximum · Fund type: $50,000–$3,000,000
Issue ages
50–80 (annuitant and owner)
Joint contracts available.
Fund types
Non-qualified · Qualified
Continuation code S; confirm meaning in the contract.
Ownership
Corporation · Joint · Single · Trust
Annuitant: Joint · Single
Death benefit
Standard Death Benefit
Surrender charges and a market value adjustment may apply under contract terms.
Premium bonus
None published
A first-year interest rate is not a premium bonus.
Systematic withdrawals
Available
Minimum-withdrawal rule applies.
Bailout provision
Not available
Return of premium
Does not apply
Early surrender can return less than premium.
Free-look period
Available; length not published
Length can vary by state; confirm on delivery.
Annuitization
Joint life · Single life
Maximum annuitization age: 90 years
Fees and charges
Guaranteed Lifetime Withdrawal Benefit: 0.95% annual rider fee
Contract versions
0
Source
CANNEX via AdvisorWorld
Normalized facts observed Sep 7, 2026.
State availability
50 jurisdictions (excl. New York) in the current feed. The grid shows 50 U.S. jurisdictions; the feed also lists GU, PR, VI. The grid shows availability only; it does not apply one rate version to every jurisdiction. Outlined entries have their own named rate version when the feed identifies one.