Based on your answers, the product that best suits your financial goals is a Fixed Indexed Annuity with a Guaranteed Benefit Lifetime Withdrawal rider.  

Clear Spring Life and Annuity Company offers two fixed indexed annuities with that feature: the Highlander Fixed Indexed Annuity ("Highlander") and the ViStar Fixed Indexed Annuity ("ViStar").  

Both the Highlander and the ViStar focus on simplifying investment options and offering your the opportunity to accumulate assets over a period of time while mitigating the risk of market fluctuation.  Your premium will be credited earned interest and will receive income from tax deferral, which results in a secure and dependable account balance, and with the optional Lifetime Withdrawal Rider, the ViStar and the Highlander can provide a guaranteed income for life.