Simplified Allocation - Tax-Deferred Growth

The goals you save for will change over the years. You’ll need a financial tool with the flexibility to evolve with your goals. ClearFlex^®is a deferred, flexible premium fixed indexed annuity with a simplified allocation and the benefits of tax deferral to help you accumulate the savings you need to outpace inflation. It is designed to move with you from one phase of life to the next— be it saving for pre-retirement goals, retirement income, or leaving a legacy.

In the investing landscape, there are a wide variety of options. It is important to understand what purpose you have for each dollar and apply them to the correct investment option. Often diversifying your assets across multiple investment options is the best way to achieve your goals. The ViStar Fixed Indexed Annuity focuses on simplifying investment options and offering you the opportunity to accumulate assets over a period of time while mitigating the risk of a declining market. 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 can provide a guaranteed income for life.

Annuities are an important tool in planning and sustaining income for the future. Deferred annuities accumulate money tax-free for a period of time. Your premium will receive earned interest as well as enjoying income tax deferral, which results in a secure and dependable account balance. Immediate annuities provide a reliable and predictable income that you cannot outlive. Clear Spring Life and Annuity Company offers these tools with your future in mind. The Highlander is a single premium deferred fixed indexed annuity that allows you to accumulate funds, benefit from tax deferral, maintain a simplified allocation, and can provide a living benefit of income that can last as long as you live.

Security - Simplicity - Safety of Principal

The Provider Single Premium Immediate Annuity is a smart way to ensure a steady income without delay. A distribution from a retirement plan can be an ideal source for creating reliable income. SPIAs can also be beneficial for other specific situations such as creating income from an inheritance or a settlement from a personal injury or divorce. The Provider SPIA can play an important role in your retirement income plan. The regularly scheduled payments are a disciplined method of dedicating a part of your retirement funds to income that meets day-to-day living expenses and monthly expenditures. The income received from our Single Premium Immediate Annuity is guaranteed by Clear Spring Life and Annuity Company. Clear Spring Life bases the income calculation on several factors, including: an individual’s age and sex, the current interest rates and the income option elected.