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Product Details
Preserve MYGA 7
Company social profile:
Product Name
Preserve MYGA 7
Annuity Type
MYGA
Issuing Insurance Company and Ratings
Clear Spring Life and Annuity Company
Ratings
Product Information
The Clear Spring Life’s Preserve MYGA 7 is a Single Premium, Multi Year Guaranteed Annuity with a 7 Year Interest Rate guarantee and a 7 Year Surrender Charge Period with Market Value Adjustment provision.
Key Features
Premium Types: Single
Minimum Premium: $10,000
Maximum Premium: $1,000,000
Free Look Period: 30 Days
Rate Lock Period: 45 Days
Rates
Effective Date: 01/03/2026
Initial Guarantee Period: 7 years
Next Change: 04/01/2026
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Premium Amount: $100,000+
Current
7 Year Guarantee Period Annual Yield:
5.10%%
Interest rate start of year 1 through end of year 7:
5.10%%
Accumulation Value (assuming no withdrawals)
Premium Amount: $25,000 - $99,999
Current
7 Year Guarantee Period Annual Yield:
4.80%%
Interest rate start of year 1 through end of year 7:
4.80%%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
Not available in GU NY VI
Withdrawal Provisions
First Year Withdrawals: No
Withdrawal Years 2+: 10%
Wait Period Interest Only : 30 Days
Withdraw from the accumulation Value After : One Year
Minimum Policy Value : $5,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $500
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 90 years old
State Restrictions: Not available in GU NY VI
