Clear Spring Life and Annuity

Clear Spring Life & Annuity (CSL) has earned a reputation for offering straightforward, easy‑to‑sell annuity products backed by strong financial ratings and a commitment to long‑term partnership. Their emphasis on simplicity, flexibility, and agent support makes them a powerful carrier for both new and seasoned insurance professionals.

CSL holds an A‑ (Excellent) rating from AM Best, reflecting strong financial backing and reliability, which are critical factors for both you and your clients.

Annuity Product Lineup

Clear Spring Life offers a comprehensive mix of annuity products designed to adapt to evolving goals, risk tolerances, and income needs.

ClearFlex® Fixed Indexed Annuity

A flexible‑premium FIA built for long‑term accumulation with:

• Simplified allocations
• Indexing strategies tied to the S&P 500 and other indices
• Tax‑deferred growth and penalty‑free withdrawals

ViStar Fixed Indexed Annuity

Designed for growth and downside protection, featuring:

• Simplified investment options
• Market‑downside mitigation
• Optional Lifetime Withdrawal Rider for guaranteed lifetime income

Highlander 7 Fixed Indexed Annuity

A single‑premium FIA ideal for consumers at all life stages:

• Principal protection
• Tax‑deferred growth
• Simplified allocation strategies

Preserve MYGA – Multi‑Year Guaranteed Annuity

Competitive MYGA terms with long‑term rate stability, offering:

• Multiple guarantee periods (3–10 years)
• Attractive interest rates backed by an A‑ rated carrier

Provider Single Premium Immediate Annuity (SPIA)

A dependable income solution for clients wanting immediate, predictable payouts.

Benefits for Insurance Agents

1. Competitive Rates That Win Business

CSL is known for delivering top‑tier MYGA rates among A‑rated carriers, helping you stand out in competitive cases.

2. Streamlined, Agent‑Friendly Product Design

Clear Spring’s focus on clear, uncomplicated product structures makes them exceptionally easy to present and close.

3. Supportive Agent Experience

Agents gain access to:

• Sales Center tools
• E‑applications
• Current rates
• Illustration software

4. Reliable Financial Backing

With A‑ (Excellent) strength and strong private‑equity support, CSL offers confidence in long‑term promises.

Benefits for Your Clients

Predictable Growth & Principal Protection

Clients gain access to annuities designed to safeguard principal while providing stable, tax‑deferred accumulation.

Simple, Transparent Options

Products are intentionally built to be easy to understand, reducing complexity for clients and boosting trust.

Guaranteed Lifetime Income Options

With riders and SPIA options, clients can receive reliable income they cannot outlive.

Flexible Solutions Across Life Stages

From early‑career savers to retirees transitioning into income, CSL products adapt to changing needs.

Agent Resources

• Agent Portal Login
  Access your agent tools, e‑apps, illustrations, and sales resources instantly
• Agent & IMO Registration
  Access to Sales Center, rates, e‑apps, and policy tools
• Agent Registration Check:
  For agents registering under agencies or IMOs