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Fixed Indexed Annuity

Eagle Guaranteed Flex 5

Eagle Life Insurance Company

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7.75%

Best S&P 500 Annual Cap

10%

Free W/D

49

Available jurisdictions

Product data status: July 17, 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.

Model this product

See what Eagle Guaranteed Flex 5 would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 17, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$290,562
Est. value at age 80 (Eagle Guaranteed Flex 5)
7.75%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 7.75% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Eagle Guaranteed Flex 5's published cap rate (7.75% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 17, 2026.

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Live rate data

Run live numbers for Eagle Guaranteed Flex 5

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Eagle Life Insurance Company product.

Live product data

Rates as of July 17, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

7.75% cap on S&P 500

A five-year-surrender fixed indexed annuity from Eagle Life (American Equity subsidiary, A-rated by A.M. Best and S&P), built for shorter-horizon index-linked accumulation across an S&P 500 annual cap, an S&P 500 trigger, and a proprietary Invesco Dynamic Growth participation option — with no income rider, no premium bonus, and no named surrender-charge waivers on the live feed.

1-year term5-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers who want index-linked accumulation but do not want a seven- or ten-year FIA lockup, value the ability to mix crediting designs (cap and trigger on the S&P 500, plus a proprietary participation index) inside one contract, want an A-rated carrier with two independent agencies confirming the strength view, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A Excellent

Surrender period

5 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. California, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

7.75% cap rate

Annual cap

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

6.75% trigger rate

Performance trigger

1-year term · 5-year surrender · Does not vary by premium

Fixed Account

Fixed Account

4.3% declared rate

Fixed account

1-year term · 5-year surrender · Does not vary by premium

Fixed Account

Fixed Account

4.15% declared rate

Fixed account

5-year term · 5-year surrender · Does not vary by premium

+ 1 additional crediting option (Invesco Dynamic)

Product analyst notes

How to think about this contract

Why it can stand out

  • Short five-year surrender ladder is at the shortest end of the FIA market — most FIAs run seven or ten years. A buyer who wants index-linked accumulation but not a decade-long lockup gets a much closer match between the rate-lock horizon and the surrender horizon on this contract than on a typical FIA.
  • Two crediting designs are offered on the S&P 500 — an annual point-to-point cap and a fixed-rate trigger — alongside a proprietary Invesco Dynamic Growth participation strategy, so a buyer who wants S&P 500 exposure can pick the mechanic that best fits their view of the index rather than being locked into a single style.
  • Filing is from Eagle Life Insurance Company, an American Equity Investment Life subsidiary rated A by A.M. Best and A by S&P, so the carrier strength is at the higher end of the FIA market and is rated by more than one independent agency.
  • The published free-withdrawal allowance and the full five-year surrender ladder are both visible on the product page, so the schedule of penalty-free liquidity is not hidden behind a sales brochure.

What to confirm

  • This contract is not a guaranteed-lifetime-withdrawal product. There is no GLWB income rider on the live feed and no Protected Income Value built into the base chassis — the published annual free-withdrawal allowance is the built-in liquidity outlet during the five-year surrender period, and the live feed publishes no named surrender-charge waivers on this contract (the waivers array is empty). Do not compare its payout side-by-side with an income-rider FIA like Eagle's own Select Income Focus filings.
  • Filing is not available in New York or California — the state list excludes both — so buyers in those jurisdictions need a different filing. The footprint elsewhere is otherwise broad.
  • There is no premium bonus on this contract and no death-benefit roll-up — the death benefit is the standard contract value, with no guaranteed legacy step-up. Buyers prioritizing a bonus at issue or an enhanced death benefit should evaluate that separately.
  • The Invesco Dynamic Growth Index is a proprietary volatility-controlled index, not a recognizable benchmark like the S&P 500. Participation rates on that strategy can look high in absolute terms but are not directly comparable to an S&P 500 annual cap — evaluate the proprietary-index option on its own historical and forward characteristics. The contract's guaranteed-minimum cap and declared-rate floors are also at the low end, so caps can renew down toward those floors over the five-year surrender term and the buyer carries that renewal risk for the full term.

Not ideal for

Buyers who need a contractually guaranteed GLWB-rider withdrawal rate (Eagle Select Income Focus, Income Focus 10, or Income Focus 9 is the income-rider sibling), want a longer rate-lock horizon than five years, expect a premium bonus to offset the surrender term, want a death-benefit roll-up beyond the standard contract value, or live in New York or California — none of those is what this contract is built to deliver.

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All crediting strategies

View rate listings (5 strategies)

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

Par: 200% · 1-yr

Invesco Dynamic Growth Index

participation

5-yr surrenderDoes not vary by premium

Cap: 7.75% · 1-yr

S&P 500 Index

cap

5-yr surrenderDoes not vary by premium

Trigger: 6.75% · 1-yr

S&P 500 Index

trigger

5-yr surrenderDoes not vary by premium

Fixed: 4.3% · 1-yr

Fixed Account

fixed

5-yr surrenderDoes not vary by premium

Fixed: 4.15% · 5-yr

Fixed Account

fixed

5-yr surrenderDoes not vary by premium

Accumulation profile

Accumulation-focused contract

Current CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about Eagle Guaranteed Flex 5

● Can I lose money in Eagle Guaranteed Flex 5?

A negative index return by itself does not reduce the contract's account value: Eagle Guaranteed Flex 5 credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 5 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Eagle Guaranteed Flex 5's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Eagle Guaranteed Flex 5 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

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

Death benefit

Death Benefit

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

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

1.00%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

1.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

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

8%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

After

0%

Documents

brochure

Eagle Guaranteed Flex 5.pdf

Confidence: highReviewed Apr 7, 2026

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

Carrier Ratings

AM BestA
S&PA
S&PA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Eagle Guaranteed Flex 5 currently shows 5 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 1 volatility-controlled index option grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 7.75% annual cap
  • S&P 500 Index: 100% annual participation rate
  • Fixed Account: 4.3% fixed account rate
  • Fixed Account: 4.15% fixed account rate

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
  • 5 surrender years

Verification note

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

Carrier materials such as Eagle Guaranteed Flex 5.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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See how Eagle Guaranteed Flex 5 compares for your age, state, premium, and income goals alongside other Eagle Life Insurance Company fixed indexed annuity options.

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