| Feature | Details |
|---|---|
| Product Name | Clear Spring Preserve MYGA 9 (w/ liquidity) |
| Insurer | Clear Spring Life and Annuity |
| Ratings |
|
| Agent/Broker | PlanEasy Inc. |
| Annuity Type | Multi-Year Guaranteed Annuity (MYGA) |
| Term | 9 Years |
| Current Rate for $100,000+ | 5.40% |
| Current Rate for $10,000 - $99,999 | 5.10% |
| Last Rate Change | 6/1/2025, Affirmed |
| Interest Type | Compound Interest |
| State Availability | Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, District of Columbia, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming |
| Free Withdrawals |
|
| Free RMDs | Yes |
| Death Benefit | Yes |
| MVA | Yes |
| Nursing Home Waiver | No |
| Terminal Illness Waiver | Yes |
| Surrender Charge by Year | 7.0%, 6.0%, 5.0%, 4.0%, 3.0%, 2.0%, 1.0%, 1.0%, 1.0% |
| Funding Sources | Personal Investment, Cash, Traditional IRA, Roth IRA, SEP IRA, SIMPLE IRA, Pension |
| Terms Available | 3, 4, 5, 6, 7, 8, 9, 10 Years |
| Age Restrictions | 0 to 90 Years Old |
| Premium Band | Effective Date | Guaranteed 9-Year Yield to Surrender |
|---|---|---|
| $100,000+ | 6/1/2025 | 5.40% |
| 5/1/2025 | ||
| 4/14/2025 | ||
| 4/1/2025 | ||
| $10,000 - $99,999 | 6/1/2025 | 5.10% |
| 5/1/2025 | ||
| 4/14/2025 | ||
| 4/1/2025 |