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Fixed Indexed Annuity

Eagle Select Focus 5

Eagle Life Insurance Company

9.25%

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 cap rate

9.25% 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 termAdvisorWorld + 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

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.25% cap rate

S&P 500

S&P 500 Index

100% participation rate + 6.5% declared rate

S&P 500

S&P 500 Index

50% participation rate

S&P 500

S&P 500 Index

60% participation rate

S&P 500

S&P 500 Index

18.5% cap rate

S&P 500

S&P 500 Index

65% participation rate

S&P 500

S&P 500 Index

75% participation rate

S&P 500

S&P 500 Index

5% cap rate

S&P 500

S&P 500 Index

48% cap rate

S&P 500

S&P 500 Index

75% participation rate

S&P 500

S&P 500 Index

100% participation rate

Fixed Account

Fixed Account

4.35% declared rate

+ 33 volatility-controlled index 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-return 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 filing is built to deliver.

All crediting strategies

View rate listings (90 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: 120% · 1-yr

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

participation

5-yr surrender

Par: 120% · 1-yr

Invesco Dynamic Growth Index

participation

5-yr surrender

Par: 100% + Fixed: 8.5% · 1-yr

Invesco QQQ 15 Index

trigger

5-yr surrender

Par: 100% + Fixed: 8.5% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

trigger

5-yr surrender

Par: 100% + Fixed: 6.5% · 1-yr

S&P 500 Index

trigger

5-yr surrender

Par: 60% · 1-yr

Invesco QQQ 15 Index

participation

5-yr surrender

Par: 60% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

participation

5-yr surrender

Par: 60% · 1-yr

BlackRock Adaptive US Equity 15% Index

participation

5-yr surrender

Par: 50% · 1-yr

S&P 500 Index

participation

5-yr surrender

Cap: 13% · 1-yr

Invesco QQQ 15 Index

cap

5-yr surrender

Cap: 13% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

cap

5-yr surrender

Cap: 9.25% · 1-yr

S&P 500 Index

cap

5-yr surrender

Fixed: 4.35% · 1-yr

Fixed Account

fixed

5-yr surrender

Par: 235% · 1-yr

Invesco Dynamic Growth Index

Performance Rate Rider · participation

5-yr surrender

Par: 85% · 1-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider · participation

5-yr surrender

Par: 80% · 1-yr

Invesco QQQ 15 Index

Performance Rate Rider · participation

5-yr surrender

Par: 80% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Performance Rate Rider · participation

5-yr surrender

Par: 60% · 1-yr

S&P 500 Index

Performance Rate Rider · participation

5-yr surrender

Par: 150% · 2-yr

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

participation

5-yr surrender

Par: 145% · 2-yr

Invesco Dynamic Growth Index

participation

5-yr surrender

Par: 90% · 2-yr

BlackRock Adaptive US Equity 15% Index

participation

5-yr surrender

Par: 85% · 2-yr

Invesco QQQ 15 Index

participation

5-yr surrender

Par: 85% · 2-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

participation

5-yr surrender

Par: 65% · 2-yr

S&P 500 Index

participation

5-yr surrender

Cap: 45% · 2-yr

Invesco QQQ 15 Index

cap

5-yr surrender

Cap: 45% · 2-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

cap

5-yr surrender

Cap: 18.5% · 2-yr

S&P 500 Index

cap

5-yr surrender

Par: 320% · 2-yr

Invesco Dynamic Growth Index

Performance Rate Rider · participation

5-yr surrender

Par: 120% · 2-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider · participation

5-yr surrender

Par: 115% · 2-yr

Invesco QQQ 15 Index

Performance Rate Rider · participation

5-yr surrender

Par: 115% · 2-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Performance Rate Rider · participation

5-yr surrender

Par: 75% · 2-yr

S&P 500 Index

Performance Rate Rider · participation

5-yr surrender

Par: 140% · 5-yr

Invesco QQQ 15 Index

participation

5-yr surrender

Par: 140% · 5-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

participation

5-yr surrender

Par: 90% · 5-yr

Invesco Dynamic Growth Index

participation

5-yr surrender

Par: 90% · 5-yr

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

participation

5-yr surrender

Par: 75% · 5-yr

S&P 500 Index

participation

5-yr surrender

Cap: 48% · 5-yr

S&P 500 Index

cap

5-yr surrender

Par: 30% · 5-yr

BlackRock Adaptive US Equity 15% Index

participation

5-yr surrender

Cap: 5% · 5-yr

S&P 500 Index

cap

5-yr surrender

Par: 180% · 5-yr

Invesco Dynamic Growth Index

Performance Rate Rider · participation

5-yr surrender

Par: 170% · 5-yr

Invesco QQQ 15 Index

Performance Rate Rider · participation

5-yr surrender

Par: 170% · 5-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Performance Rate Rider · participation

5-yr surrender

Par: 100% · 5-yr

S&P 500 Index

Performance Rate Rider · participation

5-yr surrender

Par: 55% · 5-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider · participation

5-yr surrender

Par: 120% · 1-yr

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

Par: 120% · 1-yr

Invesco Dynamic Growth Index

Par: 100% + Fixed: 8.5% · 1-yr

Invesco QQQ 15 Index

Par: 100% + Fixed: 8.5% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Par: 100% + Fixed: 6.5% · 1-yr

S&P 500 Index

Par: 60% · 1-yr

Invesco QQQ 15 Index

Par: 60% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Par: 60% · 1-yr

BlackRock Adaptive US Equity 15% Index

Par: 50% · 1-yr

S&P 500 Index

Cap: 13% · 1-yr

Invesco QQQ 15 Index

Cap: 13% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Cap: 9.25% · 1-yr

S&P 500 Index

Fixed: 4.35% · 1-yr

Fixed Account

Par: 235% · 1-yr

Invesco Dynamic Growth Index

Performance Rate Rider

Par: 85% · 1-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider

Par: 80% · 1-yr

Invesco QQQ 15 Index

Performance Rate Rider

Par: 80% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Performance Rate Rider

Par: 60% · 1-yr

S&P 500 Index

Performance Rate Rider

Par: 150% · 2-yr

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

Par: 145% · 2-yr

Invesco Dynamic Growth Index

Par: 90% · 2-yr

BlackRock Adaptive US Equity 15% Index

Par: 85% · 2-yr

Invesco QQQ 15 Index

Par: 85% · 2-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Par: 65% · 2-yr

S&P 500 Index

Cap: 45% · 2-yr

Invesco QQQ 15 Index

Cap: 45% · 2-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Cap: 18.5% · 2-yr

S&P 500 Index

Par: 320% · 2-yr

Invesco Dynamic Growth Index

Performance Rate Rider

Par: 120% · 2-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider

Par: 115% · 2-yr

Invesco QQQ 15 Index

Performance Rate Rider

Par: 115% · 2-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Performance Rate Rider

Par: 75% · 2-yr

S&P 500 Index

Performance Rate Rider

Par: 140% · 5-yr

Invesco QQQ 15 Index

Par: 140% · 5-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Par: 90% · 5-yr

Invesco Dynamic Growth Index

Par: 90% · 5-yr

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

Par: 75% · 5-yr

S&P 500 Index

Cap: 48% · 5-yr

S&P 500 Index

Par: 30% · 5-yr

BlackRock Adaptive US Equity 15% Index

Cap: 5% · 5-yr

S&P 500 Index

Par: 180% · 5-yr

Invesco Dynamic Growth Index

Performance Rate Rider

Par: 170% · 5-yr

Invesco QQQ 15 Index

Performance Rate Rider

Par: 170% · 5-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

Performance Rate Rider

Par: 100% · 5-yr

S&P 500 Index

Performance Rate Rider

Par: 55% · 5-yr

BlackRock Adaptive US Equity 15% Index

Performance Rate Rider

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

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: 1.00%

Strategy guarantee

Minimum guaranteed declared rate: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.00%

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

8%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

Eagle Select Focus 5 Sales Brochure.pdf

Confidence: highReviewed Apr 8, 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 Select Focus 5 currently shows 45 distinct indexed or fixed crediting choices across 90 current rate listings, including S&P 500 Index and S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return, with 30 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: 9.25% cap
  • S&P 500 Index: 100% participation
  • S&P 500 Index: 50% participation

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
  • Nursing home waiver
  • Terminal illness waiver

Verification note

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

Carrier materials such as Eagle Select Focus 5 Sales Brochure.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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