ClearSprings ViStar Fixed Indexed Annuity – Market Growth with Principal Protection and Built-In Flexibility
At Diversified Insurance Brokers, we help clients secure their financial futures with annuities designed to deliver consistent growth and reliable protection. The ClearSpring Life ViStar Fixed Indexed Annuity is built for individuals who want to participate in market growth—without putting their principal at risk. This makes it an excellent fit for retirement-focused investors seeking security, flexibility, and long-term stability.
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Market Participation Without the Risk of Loss
The ClearSprings Life ViStar Annuity offers multiple index crediting strategies that allow your savings to grow based on market performance. Whether you’re looking for monthly average or annual point-to-point strategies, this product ensures your principal is fully protected even if the market declines.
Accessible and Retirement-Ready
With a low minimum initial premium, the Annuity is designed to be accessible for individuals and families across all stages of retirement planning. Its tax-deferred growth feature allows your funds to compound more efficiently over time—without being reduced by annual income taxes.
Liquidity When You Need It
After the first contract year, you can withdraw up to 10% of your account value annually without surrender charges, giving you built-in financial flexibility. In addition, the contract provides withdrawal charge waivers for terminal illness and nursing home confinement, offering crucial access during unexpected health events.
Surrender Schedule and Death Benefit
The ClearSprings Life ViStar includes a clear surrender charge schedule, designed to protect your contract value while still offering access if your needs change over time. Should you pass away, your beneficiaries receive the full account value, with no surrender penalties—ensuring your legacy is preserved.
Why Clients Choose Diversified Insurance Brokers
At Diversified Insurance Brokers, our team provides expert guidance to help you choose the annuity that aligns with your long-term goals. The ClearSprings Life ViStar Fixed Indexed Annuity is a smart option for those seeking growth potential, downside protection, and accessible liquidity in retirement.
🎯 Want a retirement strategy that grows with the market while keeping your principal safe?
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: ClearSprings Life ViStar Annuity
What is the ClearSprings Life ViStar Annuity?
ViStar is a fixed indexed annuity designed to provide long-term accumulation through a combination of index-linked crediting strategies and principal protection. It offers multiple crediting options that allow contract owners to tailor growth potential to their risk preferences.
What types of index strategies does ViStar offer?
The annuity typically includes participation-rate options, spread-based strategies, and multi-year crediting methods. Many versions include diversified or volatility-managed indices intended to support stable long-term growth.
Does ViStar include a fixed-interest allocation?
Yes. ViStar generally includes a fixed-rate bucket that guarantees a set interest rate for part of your premium. This allows savers to balance guaranteed accumulation with index-linked performance.
How does ViStar protect my principal?
Your contract value cannot decline due to market losses. Even if the selected index experiences negative returns, ViStar credits zero—not negative—interest for that period, ensuring full principal protection.
Are penalty-free withdrawals available?
Most versions include an annual penalty-free withdrawal allowance. Withdrawals beyond that limit may trigger surrender charges and could impact interest crediting depending on the strategy chosen.
Is ViStar suitable for IRA rollovers?
Yes. ViStar typically accepts IRA rollovers and transfers from qualified plans. The process works similarly to the steps in our pension transfer guide.
Does ViStar offer lifetime income options?
Some ViStar versions may include optional lifetime income riders, while others rely on annuitization for income. Although income features are available, ViStar is primarily designed for accumulation.
How flexible are allocation changes?
Most ViStar contracts allow allocation changes on an annual basis. This flexibility helps savers adjust their strategy as market conditions evolve.
What happens when the surrender period ends?
Once the surrender period expires, full liquidity is available. You may withdraw funds, adjust allocations, or transfer your contract value to another annuity product without penalty.
Who is ClearSprings Life ViStar best suited for?
ViStar is ideal for savers who want long-term, tax-deferred accumulation with a combination of fixed-rate stability and index-linked upside potential. It works well for those who value principal protection and controlled exposure to market-linked strategies.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
