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FIAPar Rate7 yr term

Clear Spring Highlander 7

Par Rate · Annual S&P 500 Par Rate · 7 yr term

Clear Spring Highlander 7 posts a 7 yr FIA Par Rate of 50.00% on Annual S&P 500 Par Rate, effective 10/01/2026.

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Current Par Rate
50.00%of index gain

The share of the index gain that gets credited. This is a multiplier on the gain, not a yield.

unchangedEffective 10/01/2026

Contract facts

1 of 12 contract terms on file
On the rate sheet
Rate type
Par Rate
Product type
FIA
Term
7 yr
Index or strategy
Annual S&P 500 Par Rate
Availability
Most states
Premium band
Any premium
Interest basis
Compound
In the contract
Surrender period
7 yr

Not on file: Issue ages, Minimum premium, Maximum premium, Free withdrawal, Years rate guaranteed, Premium bonus, Minimum renewal rate, GTD yield to surrender, M.V.A., Return of premium, Additional premiums. Confirm these with the carrier before you quote or illustrate.

Commission
  • 0-75: 5.00
  • 76-80: 4.00

5.00% 0-75 / 4.00% 76-80 / 1% less CA/FL

Contract detail fromClear Springor the Alpha case desk

Clear Spring

29 rates

Contracts issued by Clear Spring Life and Annuity Company

AM Best
A-
Top MYGA APY
5.30%

Financial strength as entered by Alpha Solutions. Ratings change; confirm with the carrier or the agency before quoting.

Part of the Group 1001 family of companies.

Other Par Rate rates from Clear Spring
WebsiteAll Clear Spring rates

Analysis for agents

Ranking, the history graph, compare and PDF downloads come with a free agent account. The rate, the contract facts and the carrier details above are public.

Where this rate ranks

Measured against every 7 yr FIA Par Rate on the Alpha shelf: 59 rates from 7 carriers. A free agent account shows this rate's place in that set, how far it sits off the best one on file, and the rates either side of it.

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Rate history

4 observations on file
52-week average
50.00%

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52-wk high
50.00%
52-wk low
50.00%
52-wk avg
50.00%
Changes YTD
0
Tracked since
08/11/2026
Rate history table (4 observations)
Clear Spring · FIA · 7 yr · Par Rate · Annual S&P 500 Par Rate rate history, effective date and rate
Effective dateRateChange
10/01/202650.00%0.00
09/22/202650.00%0.00
09/01/202650.00%0.00
08/11/202650.00%--

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Every rate on Clear Spring Highlander 7 at 7 yr

One contract, 4 rates. Each type is its own unit, so read a cap against caps and a par rate against par rates.

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Rates shown are for informational use and are subject to change. Confirm current rates, availability, and product details directly with the carrier before quoting or illustrating for a client.