Index Crediting Options That Align with Market Opportunities

ClearFlex provides policyholders access to multiple crediting strategies tied to well-known market indices, including:

• S&P 500 Index

• S&P MARC 5% Index

• BNP Paribas Technology Balanced 7 Index

• S&P 500 Sector Rotator Daily RC2 5% Index

These crediting methods allow for market-linked interest without exposing your original premium to losses. Gains are locked in annually, and all growth benefits from tax-deferred compounding, which means more potential earnings over time without yearly taxation.

Access Liquidity Without Surrender Charges

Beginning in the second contract year, ClearFlex allows penalty-free withdrawals of up to 10% of your contract value each year. This provides flexibility for planned expenses or unexpected needs without reducing your account with surrender fees.

Additionally, the Nursing Home and Terminal Illness Waivers provide full access to funds in the event of a qualifying health condition—giving you peace of mind during life’s most challenging moments.

Market Value Adjustment (MVA) for Fair Valuation

The ClearFlex Annuity includes a Market Value Adjustment (MVA) provision. This feature adjusts the contract value based on current market interest rates if you make early withdrawals during the surrender period. While this can work for or against you depending on rate movements, it ensures a fair market-based valuation and is a common feature in modern indexed annuities.  Request a personalized annuity quote on our annuity request form.

Legacy Protection and Estate Benefits

In the event of your passing, ClearFlex provides a full accumulation value death benefit to your beneficiaries—ensuring your loved ones receive the full benefit of your retirement planning without surrender charges.

Who Is a Good Fit for ClearFlex?

This annuity is ideal for:

• Pre-retirees and retirees seeking protection with upside potential

• Clients rolling over IRA or 401(k) funds

• Individuals needing annual access to income without penalty

• Families wanting full-value legacy benefits

• Investors looking for diversified index options without market loss exposure

With financial strength from Clear Spring Life and features designed for today’s retirement landscape, ClearFlex stands out as a modern, flexible solution.