CL Life

CL Life and Annuity Insurance Company is a B++ rated (AM Best) insurance carrier and affiliate of Crestline Management. The company maintains its focus on providing high-value retirement savings tools through disciplined asset management and expense control, with a leadership team bringing many decades of experience and success in annuity companies throughout U.S. markets.

CL Sundance Multi-Year Guarantee Annuity (MYGA)

• 2, 3, and 5-year terms available
• Issue ages 0-90
• Minimum premium: $10,000 Qualified / $20,000 Non-Qualified
• Maximum premium: $1,000,000 (higher amounts require home office approval)
• Penalty-free withdrawals of accumulated interest only (maximum: prior 12 months of interest)
• RMD penalty-free withdrawals
• Electronic application available
• Market value adjustment applies to early surrenders
• Download the Brochure

CL Tarrant Trail Annuity - High Commission Opportunity

A 6-year single premium deferred annuity featuring unique bailout protection:

• 6-year surrender charge schedule: 9%, 8%, 7%, 6%, 5%, 4%
• Issue ages 0-90
• Minimum premium: $20,000 Qualified/Non-Qualified
• Maximum premium: $1,000,000
• Unique bailout feature: If renewal rates fall below the stated bailout rate, surrender without charges within 30 days of contract anniversary
• 10% penalty-free withdrawal starting year 2
• RMD waiver of surrender charges
• Full account value death benefit
• Market value adjustment applies during surrender charge period
• Download the Brochure

State Availability

Why Choose CL Life?

Financial Stability: With strong ratings from both AM Best (B++) and KBRA (A-), CL Life demonstrates solid financial strength and claims-paying ability.

Competitive Rates: Currently offering some of the most competitive rates in the MYGA market, particularly attractive for agents seeking high-yield products for their clients.

Agent-Friendly Features:

• High commission structures, especially on the Tarrant Trail product
• Electronic application processing
• Flexible premium limits
• Strong surrender charge schedules that protect persistency

Client Benefits:

• Tax-deferred growth potential
• Principal protection
• Guaranteed interest rates
• Death benefit equal to full account value
• May avoid probate with proper beneficiary designation

New to Annuity Sales?

Annuity sales are a huge opportunity for independent agents in the senior market. If you want to learn how to sell annuities to seniors, you've come to the right place!

Check out our complete guide here: The Ultimate Guide to Selling Annuities In the Senior Market

Also, check out this video from annuity all-star, Michael Sams: