EclipseMark 5
Standard
7%
Best Cap
15%
Free W/D
49
States
EclipseMark is a fixed index annuity that combines guaranteed income protection with market-linked growth potential, designed for retirees who want both security and opportunity without stock market risk. It's ideal for long-term retirement savers aged 0–90 seeking tax-deferred accumulation.
Free Withdrawal
15%/yr
Available In
49 states
Min Premium
$25,000
Surrender
5 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| BofA Global MegaTrends Index | Annual | -- | 100% | -- |
| S&P 500 Index | Annual | 7% | 100% | -- |
| S&P 500 IQ 0.5% Decrement Index | Annual | 9.75% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.75% |
Key Features
Contractual Guarantee
87.5% of premium guaranteedYour annuity fund is protected by a guaranteed minimum value, calculated as the greater of the contract value minus surrender charges or 87.5% of premium plus daily interest at 1% minimum.
Index Interest Accounts
Multiple index options with caps ranging from 1% to 10%+Credited interest is linked to the performance of market indices (S&P 500, S&P 500 IQ Index, or BofA Global MegaTrends Index) over one-year terms. You earn gains if the index rises; you earn 0% if it falls.
Fixed Interest Account
10 years (EclipseMark 10) or 5 years (EclipseMark 5)Provides a guaranteed interest rate locked in for the full rate guarantee period, offering predictable steady growth.
Tax-Deferred Growth
Triple compounding advantageEarnings compound tax-free until withdrawal, allowing you to earn interest on interest and interest on taxes deferred.
Penalty-Free Withdrawals
15% annual access penalty-freeStarting in year 2, withdraw up to 15% of your annuity fund value annually without surrender charges.
Premium Bonus (Optional)
Vests over 5–10 years depending on product versionAvailable on Plus versions, this vesting bonus is calculated as a percentage of your premium and starts earning interest immediately.
Surrender Charge Waivers
Multiple life-event waiversAccess your full annuity value without penalty if you enter a nursing home (30+ days), receive a terminal illness diagnosis, choose lifetime income payments, or take IRS required minimum distributions.
Highlights
Guaranteed minimum value of 87.5% of premium protects against market downturns
Index-linked growth potential with zero downside risk—earnings never go below 0%
Tax-deferred accumulation with triple compounding allows interest to grow faster
Flexible access options including penalty-free withdrawals up to 15% annually
Optional premium bonus (up to 10%) available on Plus versions to jump-start earnings
Surrender Schedule
Yr 1
9.4%
Yr 2
8.5%
Yr 3
7.5%
Yr 4
6.5%
Yr 5
5.5%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Retirees and pre-retirees aged 0–90 who want guaranteed income protection and tax-deferred growth without stock market risk, and who can commit funds for 5–10 years.
Consider Alternatives If
Investors seeking immediate income, those needing frequent liquidity without penalties, or anyone uncomfortable with a 5–10 year surrender charge period.
Carrier Ratings
Free Comparison Report
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