Fixed Indexed Annuity

Eagle Select Focus 5

Eagle Life Insurance Company

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9.5%

Best S&P 500 Annual Cap

10%

Free W/D

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 Select Focus 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.

Premium$100,000

Your age60

Crediting strategy

Compare against

$150,842

Est. value at age 80 (Eagle Select Focus 5)

9.5%

Best S&P 500 1-yr point-to-point cap

Invesco QQQ 15 Index — 13.5% 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 Select Focus 5's published cap rate (13.5% on Invesco QQQ 15 Index) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/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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See how Eagle Select Focus 5 compares for your age, state, premium, and income goals alongside other Eagle Life Insurance Company fixed indexed annuity options.

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Live rate data

Run live numbers for Eagle Select Focus 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

9.5% 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 index-linked accumulation across a broad menu — S&P 500 annual cap, participation, and trigger plus multi-year crediting variants and several proprietary volatility-controlled indexes — with a published annual free-withdrawal allowance, nursing-home and terminal-illness waivers, and no income rider.

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

Best fit

Buyers who want a broad FIA crediting menu — multiple S&P 500 mechanics plus higher-participation proprietary indexes and multi-year crediting terms — packaged with the shortest surrender commitment in the Eagle Select family, from an A-rated carrier with two independent agencies confirming the strength view.

AM Best

A Excellent

Surrender period

5 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

9.5% cap rate

Annual cap

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

1-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

6.5% trigger rate

Performance trigger

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

1-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

50% participation rate

Participation

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

1-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

Performance Rate Rider

60% participation rate

Participation

PRR fee: 1.25%/yr

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

1-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

19% cap rate

Cap strategy

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

2-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

65% participation rate

Participation

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

2-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

Performance Rate Rider

75% participation rate

Participation

PRR fee: 1.25%/yr

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

2-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

5% cap rate

Annual cap

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

5-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

48% cap rate

Cap strategy

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

5-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

75% participation rate

Participation

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

5-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

Performance Rate Rider

100% participation rate

Participation

PRR fee: 1.25%/yr

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

5-year term

5-year surrender

Does not vary by premium

Fixed Account

4.4% declared rate

Fixed account

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

1-year term

5-year surrender

Does not vary by premium

+ 33 additional crediting options (S&P 500, Invesco Dynamic, Invesco QQQ...)

Product analyst notes

How to think about this contract

Why it can stand out

Five-year surrender ladder pairs a full crediting menu with the shortest commitment in the Eagle Select family — Select Focus 7 doubles the surrender term but offers the same indexes, so a buyer who wants the broader index menu but a shorter lockup can pick the five-year filing without giving up crediting choice.
Three crediting designs are offered on the S&P 500 alone — annual point-to-point cap, participation rate, and a fixed-rate trigger — and the S&P 500 cap is offered in both one-year and multi-year crediting-term variants, so a buyer who wants S&P 500 exposure can pick the mechanic and the crediting horizon that best fit their view of the index.
Two named surrender-charge waivers (nursing home and terminal illness) plus an annual free-withdrawal allowance are published on the contract — that's named exits for two specific life events on top of the standard penalty-free liquidity, all visible on the page rather than gated behind a brochure.
Carrier financial strength is rated by two independent agencies (A.M. Best A and S&P A), so the strength view is not single-sourced; Eagle Life is the American Equity Investment Life subsidiary.

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 on the base chassis — the only liquidity outlets during the five-year surrender period are the published annual free-withdrawal allowance plus the nursing-home and terminal-illness waivers. Do not compare its payout side-by-side with an income-rider sibling like Eagle Select Income Focus.
Several index options on the menu (BlackRock Adaptive US Equity 15% Index, Invesco QQQ 15 Index, S&P 500 Advantage 15% VT TCA Index ER, S&P 500 Dividend Aristocrats Daily Risk Control 5%, Invesco Dynamic Growth Index) are proprietary volatility-controlled or excess-shows indexes. Their participation rates can look high in absolute terms but are not directly comparable to an S&P 500 annual cap — evaluate each on its own historical and forward characteristics rather than the participation number alone. 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.
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.
Multi-year crediting terms locked alongside the five-year surrender add path-dependency: if a buyer chooses a multi-year crediting term, the crediting outcome is settled only at the end of that strategy term, and surrender-window decisions made during the strategy's life can interact with crediting. The shorter one-year cap and trigger strategies sidestep that, but a buyer choosing the multi-year participation options should understand the interaction before committing.

Not ideal for

Buyers who need a contractually guaranteed GLWB-rider withdrawal rate (Eagle Select Income Focus is the rider-led sibling on the same chassis), 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 want to keep the crediting menu narrow and stick to recognizable S&P 500 caps only — none of those is what this contract is built to deliver.

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All crediting strategies

View rate listings (45 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: 125% · 1-yr

S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return

participation