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Fixed Indexed Annuity

ViStar

Clear Spring Life

6%

Best Cap

10%

Free W/D

50

Jurisdictions

Product data status: May 29, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual point-to-point cap

6% cap on S&P 500

A ten-year, A.M. Best A- rated fixed indexed annuity from Clear Spring Life, built around an S&P 500 annual point-to-point cap plus participation-rate strategies on three proprietary engineered indexes including the macroeconomic-factor S&P Economic Cycle Factor Rotator, with no lifetime-income rider in the design.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers committing to a full ten-year deferral who specifically value engineered-index exposure — particularly the S&P Economic Cycle Factor Rotator and the S&P 500 Sector Rotator alongside a recognizable S&P 500 cap — and can accept that ViStar's S&P 500 cap headline is the lower of the Clear Spring FIA lineup in exchange for that index menu.

AM Best

A- Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

6% cap rate

S&P 500

S&P 500 Index

35% participation rate

S&P 500

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

125% participation rate

Fixed Account

Fixed Account

3.5% declared rate

+ 2 volatility-controlled index options (S&P MARC, S&P Economic)

Lifetime Income Riders

Income rider

Withdrawal Rider

RMD friendly
Lifetime payout rate6.5% lifetime payout
Annual rider fee1.1% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Crediting menu spans six strategies on a single contract — the recognizable S&P 500 cap, an S&P 500 participation alternative, three proprietary engineered-index participation strategies, and a daily-crediting fixed allocation — so a buyer can blend cap, participation, sector-rotation, and macroeconomic-factor designs inside one ten-year contract.
  • S&P Economic Cycle Factor Rotator is unusual on the Clear Spring menu: a macroeconomic-factor engineered index a buyer cannot get on the Highlander, Highlander 7, or ClearFlex chassis. For buyers who specifically want a factor-rotation participation strategy tied to economic-cycle signals, this is the contract that carries it.
  • Crediting also includes the S&P 500 Sector Rotator Daily RC2 5% ER alongside the recognizable S&P 500 cap, so a buyer can mix a like-for-like benchmark cap with a sector-rotation alternative on the same contract.
  • Standard accumulation liquidity package is fully visible on this page — the published annual free-withdrawal allowance, the full ten-year surrender ladder, and nursing-home and terminal-illness surrender waivers — rather than gated behind a sales brochure.

What to confirm

  • There is no lifetime-income rider on this contract in the live data. Do not pitch ViStar as a guaranteed lifetime-withdrawal product — its job is index-linked accumulation across a wide engineered-index menu, not income.
  • The headline S&P 500 annual point-to-point cap on this filing sits at the lower end of the Clear Spring FIA lineup — Highlander 7 and ClearFlex post materially higher S&P 500 caps in current rates. Buyers who want the highest S&P 500 cap inside the Clear Spring lineup should compare ViStar's cap against those siblings before allocating.
  • Four of the six crediting strategies (S&P MARC 5% Excess Return, S&P 500 Sector Rotator Daily RC2 5% ER, S&P Economic Cycle Factor Rotator, and the S&P 500 Index participation strategy when compared to the cap) sit on proprietary or engineered designs. Participation rates on engineered indexes can look high in absolute terms but are not directly comparable to an uncontrolled S&P 500 cap, and the engineered indexes carry shorter live-track histories than the S&P 500 — evaluate each on its own forward characteristics rather than the participation headline alone.
  • Surrender lockup runs the full ten years. The death benefit on this contract is the standard contract value rather than a rolled-up or stepped-up income base, and the filing is not available in New York — confirm state availability before recommending to a New York buyer, and look elsewhere if a death-benefit roll-up is the priority.

Not ideal for

Buyers who need a contractually guaranteed lifetime-withdrawal rate from a GLWB rider, want the highest S&P 500 cap inside the Clear Spring lineup (look at Highlander 7 or ClearFlex instead), want a stepped-up or rollup-enhanced death benefit, need shorter-than-ten-year liquidity, or live in New York — the filing is not available in NY and none of those features are what this contract is built to deliver.

All crediting strategies

View rate listings (12 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 140% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrender

Par: 125% · 1-yr

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

participation

10-yr surrender

Par: 125% · 1-yr

S&P Economic Cycle Factor Rotator Index

participation

10-yr surrender

Par: 35% · 1-yr

S&P 500 Index

participation

10-yr surrender

Cap: 6% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 3.5% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 140% · 1-yr

S&P MARC 5% Excess Return

Par: 125% · 1-yr

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

Par: 125% · 1-yr

S&P Economic Cycle Factor Rotator Index

Par: 35% · 1-yr

S&P 500 Index

Cap: 6% · 1-yr

S&P 500 Index

Fixed: 3.5% · 1-yr

Fixed Account

Income riders

Income rider

Lifetime Withdrawal Rider

RMD friendly
Lifetime withdrawal rate6.5%
Annual rider fee1.1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age60 — 95
Joint availabilityJoint life

GLWB

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 10.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.00%

Strategy guarantee

Minimum guaranteed participation: 10.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

ViStar-Brochure-7-1-25.pdf

Confidence: highReviewed Apr 7, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

ViStar currently shows 6 distinct indexed or fixed crediting choices across 12 current rate listings, including S&P 500 Index, S&P 500 Sector Rotator Daily RC2 5% Index ER, and Fixed Account, with 2 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 6% cap
  • S&P 500 Index: 35% participation
  • S&P 500 Sector Rotator Daily RC2 5% Index ER: 125% participation

Income rider language

What to look for before treating the rider as income

Lifetime Withdrawal Rider is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 6.5% withdrawal rate
  • 1.1% rider fee
  • RMD friendly
  • Joint life availability

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as ViStar-Brochure-7-1-25.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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