EclipseMark 5
Standard
7%
Best Cap
15%
Free W/D
49
States
EclipseMark is a fixed index annuity designed for long-term retirement savings that combines guaranteed safety with the opportunity to earn market-linked returns. It's ideal for retirees seeking growth potential without direct stock market exposure.
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% + 1% annual interest floorYour surrender value is never less than 87.5% of premium (less withdrawals) plus daily interest at 1% minimum annual rate
Index Interest Accounts
Multiple index choices with 1-10 year guarantee periodsLink your earnings to S&P 500, S&P 500 IQ Index, or BofA Global MegaTrends Index with interest credited annually; gains captured, losses capped at 0%
Fixed Interest Account
5 or 10-year rate guaranteeEarn a predictable guaranteed interest rate that's locked in for 5 or 10 years depending on product version
Premium Bonus (Plus versions)
Available in EclipseMark 5 Plus and 10 Plus onlyImmediate bonus added to your premium that starts earning interest right away; vests gradually over 5 or 10 years
Penalty-Free Withdrawals
15% annual penalty-free accessStarting year 2, withdraw up to 15% of your annuity fund value annually without surrender charges
Surrender Charge Waivers
Multiple waiver scenarios availableAvoid charges if confined to nursing home (30+ days), diagnosed with terminal illness, or using lifetime/5+ year payment options
Tax-Deferred Growth
Taxes deferred until withdrawalEarnings grow without annual tax liability, allowing triple compounding on premium, interest earned, and taxes deferred
Issuer Financial Strength
A rating by AM Best; A+ by S&P Global RatingsBacked by Standard Insurance Company with an 'A' (Excellent) rating from AM Best since 1928
Highlights
Guaranteed minimum value of 87.5% of premium plus 1% annual interest, protecting your nest egg from market downturns
Choose from multiple index strategies (S&P 500, S&P 500 IQ Index, BofA Global MegaTrends) to capture market gains without stock market risk
Optional premium bonus (5% or 10% Plus versions) jumpstarts your earnings immediately and vests over time
Flexible access with 15% annual penalty-free withdrawals plus waivers for nursing home, terminal illness, and required distributions
Four product versions with 5 or 10-year terms, customizable to match your timeline and risk tolerance
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 age 0-90 seeking long-term retirement growth with downside protection and the ability to access funds flexibly.
Consider Alternatives If
Investors seeking short-term liquidity without surrender charges, or those who cannot commit funds for 5-10 years.
Carrier Ratings
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