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Fixed Indexed Annuity

Eagle Select Income Focus 9

Eagle Life Insurance Company

5.75%

Best Cap

10%

Free W/D

California

Only state

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.

Lifetime withdrawal rate (GLWB rider)

6.75% lifetime payout

The California-issued, nine-year-surrender variant of Eagle Life's income-rider FIA chassis (A-rated by A.M. Best and S&P), built around an optional Lifetime Income Benefit Rider in two option variants on single- or joint-life — the CA-compliant counterpart to Eagle Select Income Focus 10's ten-year filing in the other 49 jurisdictions, with a published annual free-withdrawal allowance and no named surrender-charge waivers on the live feed.

1% annual rider feeRMD-friendly income ridersAdvisorWorld + CANNEX data

Best fit

California buyers planning for lifetime income who want Eagle's LIBR rider on the CA-issued nine-year surrender ladder, are comfortable committing principal for the full nine years, value being able to choose between two LIBR option variants on single- or joint-life, and want an A-rated carrier with two independent agencies confirming the strength view.

AM Best

A Excellent

Surrender period

9 years

Free withdrawal

10%/yr

Availability

California only

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5.75% cap rate

S&P 500

S&P 500 Index

42% participation rate

S&P 500

S&P 500 Index

12.75% cap rate

S&P 500

S&P 500 Index

55% participation rate

Fixed Account

Fixed Account

3.5% declared rate

+ 18 volatility-controlled index options (BlackRock, Invesco Dynamic, S&P 500...)

Lifetime Income Riders

Income rider

Income Benefit Rider Option 1

RMD friendly
Lifetime payout rate6.75% lifetime payout
Annual rider fee1% annual rider fee

Income rider

Income Benefit Rider Option 2

RMD friendly
Lifetime payout rate4.5% lifetime payout
Annual rider fee1% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • California-issued variant of Eagle's income-rider chassis — this filing carries a nine-year surrender ladder, one year shorter than the standard ten-year Eagle Select Income Focus 10 (productId A0028A), because California's regulatory surrender-period rules have historically capped FIA surrender terms tighter than other states. A California buyer who wants the LIBR rider gets it on a CA-compliant surrender ladder here.
  • Lifetime income runs through a real, optional GLWB rider — the Lifetime Income Benefit Rider — published in two option variants (Option 1 and Option 2), each available on single- or joint-life. That gives a buyer four published payout shapes inside the same contract, so the rider can be tuned to the buyer's deferral horizon and survivor plan rather than locking into a single configuration.
  • Crediting menu backing the rider's account value is broad — a fixed account, S&P 500 annual cap and participation strategies, plus several proprietary volatility-controlled indexes (BlackRock Adaptive US Equity 5%, Invesco QQQ 15, S&P 500 Advantage 15% VT TCA, S&P 500 Dividend Aristocrats DRC 5%, Invesco Dynamic Growth) with cap, participation, and trigger mechanics across the proprietary menu. The account value behind the rider has both like-for-like S&P 500 comparability and higher-participation alternatives.
  • Carrier financial strength is rated by two independent agencies (A.M. Best A and S&P A), so the rider's lifetime-payment promise sits behind a strength view that is triangulated rather than single-sourced; Eagle Life is the American Equity Investment Life subsidiary.

What to confirm

  • This filing is approved in California only — the state list returns one jurisdiction (CA). Buyers outside California cannot purchase this filing and should look at Eagle Select Income Focus (the seven-year sibling) or Eagle Select Income Focus 10 (the ten-year sibling) for the income-rider chassis in their state.
  • The income story is a rider, not a base-contract guarantee — the LIBR's lifetime withdrawal rate, deferral mechanics, income-base rules, and rider fee are CONTRACTUAL TERMS OF THE RIDER, and the rider fee is deducted from the account value annually for as long as the rider is attached. Compare the rider's fee and payout terms together, not the headline rate alone; recognize that the two option variants (Option 1 vs Option 2) trade off differently between immediate and deferred payout profiles; and note the base contract carries a standard cash-value death benefit, not a rolled-up income-base death benefit. The live feed publishes the contract's annual free-withdrawal allowance but no named surrender-charge waivers on this CA filing (the waivers array is empty), so do not assume the nursing-home or terminal-illness waivers offered on Eagle's other-state Income Focus filings carry across to this one.
  • Nine-year surrender ladder is the CA-required shorter version of the ten-year ladder on Eagle Select Income Focus 10. Because California's surrender-period rules drive the term, the carrier may price the rider on this variant slightly differently than the ten-year filing — a CA buyer should treat the CA filing's published rider numbers as the only relevant ones, not the ten-year sibling's.
  • Several index options (BlackRock Adaptive US Equity 5% 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 characteristics. The contract's guaranteed-minimum cap and declared-rate floors are at the low end, so the account value backing the rider carries renewal risk for the full nine-year surrender term.

Not ideal for

Buyers outside California (this filing is CA-only — the ten-year Eagle Select Income Focus 10 or seven-year Eagle Select Income Focus is the right filing in their state), buyers who plan to walk away with the account value rather than turn on the GLWB rider (the long surrender exists precisely to fund a richer rider income base), buyers expecting a premium bonus on top of the rider income base, or buyers wanting a plain MYGA-style declared rate — none of those is what this rider-led, CA-only filing is built to deliver.

All crediting strategies

View rate listings (46 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: 165% · 1-yr

BlackRock Adaptive US Equity 5% Index

participation

9-yr surrender

Par: 160% · 1-yr

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

participation

9-yr surrender

Par: 150% · 1-yr

Invesco Dynamic Growth Index

participation

9-yr surrender

Par: 100% + Fixed: 7% · 1-yr

Invesco QQQ 15 Index

trigger

9-yr surrender

Par: 100% + Fixed: 7% · 1-yr

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

trigger

9-yr surrender

Par: 55% · 1-yr

Invesco QQQ 15 Index

participation

9-yr surrender

Par: 55% · 1-yr

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

participation

9-yr surrender

Par: 42% · 1-yr

S&P 500 Index

participation

9-yr surrender

Cap: 9% · 1-yr

Invesco QQQ 15 Index

cap

9-yr surrender

Cap: 9% · 1-yr

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

cap

9-yr surrender

Cap: 5.75% · 1-yr

S&P 500 Index

cap

9-yr surrender

Fixed: 3.5% · 1-yr

Fixed Account

fixed

9-yr surrender

Par: 240% · 2-yr

BlackRock Adaptive US Equity 5% Index

participation

9-yr surrender

Par: 225% · 2-yr

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

participation

9-yr surrender

Par: 215% · 2-yr

Invesco Dynamic Growth Index

participation

9-yr surrender

Par: 78% · 2-yr

Invesco QQQ 15 Index

participation

9-yr surrender

Par: 78% · 2-yr

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

participation

9-yr surrender

Par: 55% · 2-yr

S&P 500 Index

participation

9-yr surrender

Cap: 25% · 2-yr

Invesco QQQ 15 Index

cap

9-yr surrender

Cap: 25% · 2-yr

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

cap

9-yr surrender

Cap: 12.75% · 2-yr

S&P 500 Index

cap

9-yr surrender

Par: 110% · 5-yr

Invesco QQQ 15 Index

participation

9-yr surrender

Par: 110% · 5-yr

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

participation

9-yr surrender

Par: 165% · 1-yr

BlackRock Adaptive US Equity 5% Index

Par: 160% · 1-yr

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

Par: 150% · 1-yr

Invesco Dynamic Growth Index

Par: 100% + Fixed: 7% · 1-yr

Invesco QQQ 15 Index

Par: 100% + Fixed: 7% · 1-yr

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

Par: 55% · 1-yr

Invesco QQQ 15 Index

Par: 55% · 1-yr

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

Par: 42% · 1-yr

S&P 500 Index

Cap: 9% · 1-yr

Invesco QQQ 15 Index

Cap: 9% · 1-yr

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

Cap: 5.75% · 1-yr

S&P 500 Index

Fixed: 3.5% · 1-yr

Fixed Account

Par: 240% · 2-yr

BlackRock Adaptive US Equity 5% Index

Par: 225% · 2-yr

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

Par: 215% · 2-yr

Invesco Dynamic Growth Index

Par: 78% · 2-yr

Invesco QQQ 15 Index

Par: 78% · 2-yr

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

Par: 55% · 2-yr

S&P 500 Index

Cap: 25% · 2-yr

Invesco QQQ 15 Index

Cap: 25% · 2-yr

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

Cap: 12.75% · 2-yr

S&P 500 Index

Par: 110% · 5-yr

Invesco QQQ 15 Index

Par: 110% · 5-yr

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

Income riders

Income rider

Lifetime Income Benefit Rider Option 1

RMD friendly
Lifetime withdrawal rate6.75%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed10 years
Issue age51 — 120

GLWB

Income rider

Lifetime Income Benefit Rider Option 1

RMD friendly
Lifetime withdrawal rate5.4%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age51 — 120

GLWB

Income rider

Lifetime Income Benefit Rider Option 1

RMD friendly
Lifetime withdrawal rate4.5%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age51 — 120

GLWB

Income rider

Lifetime Income Benefit Rider Option 2

RMD friendly
Lifetime withdrawal rate4.5%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age51 — 120

GLWB

Income rider

Lifetime Income Benefit Rider Option 2

RMD friendly
Lifetime withdrawal rate3.5%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age51 — 120

GLWB

Key Features

Free withdrawal

10%/yr

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

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%

Yr 6

4%

Yr 7

3%

Yr 8

2%

Yr 9

1%

After

0%

Documents

brochure

Eagle Life Income Story WIN Trifold 9 I Digital Version.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 Select Income Focus 9 currently shows 23 distinct indexed or fixed crediting choices across 46 current rate listings, including S&P 500 Index and S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return, with 16 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: 5.75% cap
  • S&P 500 Index: 42% participation
  • S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return: 160% participation

Income rider language

What to look for before treating the rider as income

Lifetime Income Benefit Rider Option 1 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.

  • 6.75% withdrawal rate
  • 1% rider fee
  • 10 deferral years
  • RMD friendly

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
  • 9 surrender years

Verification note

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

Carrier materials such as Eagle Life Income Story WIN Trifold 9 I Digital Version.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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