About Clear Spring Life
The “S&P 500, S&P MARC 5% EXCESS RETURN INDEX, S&P 500 SECTOR ROTATOR DAILY RC2 5% INDEX ER and S&P ECONOMIC CYCLE FACTOR ROTATOR INDEX” are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and have been licensed for use by Clear Spring Life and Annuity Company. Standard & Poor’s ® and S&P ® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones ® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Clear Spring Life and Annuity Company. It is not possible to invest directly in an index. ViStar ® Fixed Indexed Annuity (“ViStar ® ”) is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices do not make any representation or warranty, express or implied, to the owners of ViStar ® or any member of the public regarding the advisability of investing in securities generally or in ViStar ® particularly or the ability of the S&P 500, S&P MARC 5% EXCESS RETURN INDEX, S&P 500 SECTOR ROTATOR DAILY RC2 5% INDEX ER and S&P ECONOMIC CYCLE FACTOR ROTATOR INDEX to track general market performance. Past performance of an index is not an indication or guarantee of future results. S&P Dow Jones Indices’ only relationship to Clear Spring Life and Annuity Company with respect to the S&P 500, S&P MARC 5% EXCESS RETURN INDEX, S&P 500 SECTOR ROTATOR DAILY RC2 5% INDEX ER and S&P ECONOMIC CYCLE FACTOR ROTATOR INDEX is the licensing of the Indices and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The S&P 500, S&P MARC 5% EXCESS RETURN INDEX, S&P 500 SECTOR ROTATOR DAILY RC2 5% INDEX ER and S&P ECONOMIC CYCLE FACTOR ROTATOR INDEX are determined, composed and calculated by S&P Dow Jones Indices without regard to Clear Spring Life and Annuity Company or ViStar ® . S&P Dow Jones Indices have no obligation to take the needs of Clear Spring Life and Annuity Company or the owners of ViStar ® into consideration in determining, composing or calculating the S&P 500, S&P MARC 5% EXCESS RETURN INDEX, S&P 500 SECTOR ROTATOR DAILY RC2 5% INDEX ER and S&P ECONOMIC CYCLE FACTOR ROTATOR INDEX. S&P Dow Jones Indices are not responsible for and have not participated in the determination of the prices, and amount of ViStar ® or the timing of the issuance or sale of ViStar ® or in the determination or calculation of the equation by which ViStar ® is to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices have no obligation or liability in connection with the administration, marketing or trading of ViStar ® . There is no assurance that investment products based on the S&P 500, S&P MARC 5% EXCESS RETURN INDEX, S&P 500 SECTOR ROTATOR DAILY RC2 5% INDEX ER and S&P ECONOMIC CYCLE FACTOR ROTATOR INDEX will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment or tax advisor. A tax advisor should be consulted to evaluate the impact of any tax-exempt securities on portfolios and the tax consequences of making any particular investment decision. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice. S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE S&P 500, S&P MARC 5% EXCESS RETURN INDEX, S&P 500 SECTOR ROTATOR DAILY RC2 5% INDEX ER AND S&P ECONOMIC CYCLE FACTOR ROTATOR INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY CLEAR SPRING LIFE AND ANNUITY COMPANY, OWNERS OF VISTAR ® , OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&P 500, S&P MARC 5% EXCESS RETURN INDEX, S&P 500 SECTOR ROTATOR DAILY RC2 5% INDEX ER AND S&P ECONOMIC CYCLE FACTOR ROTATOR INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND CLEAR SPRING LIFE AND ANNUITY COMPANY, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES. IMPORTANT INFORMATION This material is for informational or educational purposes only, and is not a recommendation to buy, sell, hold or rollover any asset. It does not take into account the specific financial circumstances, investment objectives, risk tolerance, or needs of any specific person. You should work with your agent to discuss your specific situation. In providing this information, Clear Spring Life and Annuity Company (d/b/a Clear Spring Life and Annuity Insurance Company in California) (“Clear Spring Life”) is not acting as your fiduciary as defined by the Department of Labor. Clear Spring Life, whose office is located at 10555 Group 1001 Way, Zionsville, Indiana, issues the ViStar ® Fixed Indexed Annuity on form number GLA-INDEX-02 or variations of such. The ViStar ® Fixed Indexed Annuity and/or certain product features may not be available in all states. Clear Spring Life is not licensed in New York. Annuity contracts contain limitations. Please consult your contract for more details regarding these limitations such as, if applicable, varying surrender periods, surrender charges associated with early withdrawals and market value adjustments. Annuity contracts involve investment risk including possible loss of value. This material is provided for clarification of benefits which may be included in the contract when it is issued. It is for informational purposes only. In the event of any ambiguity or conflict of terms between this brochure and the annuity contract, the terms of the annuity contract shall be controlling. Neither Clear Spring Life nor its representatives provide legal or tax advice. For legal or tax advice concerning your specific situation, please consult an attorney of tax professional.
Clear Spring Life is a member of Group 1001, an insurance holding company in the United States, with combined assets under management of approximately $58.5 billion as of December 31, 2022. Group 1001 is a long-standing, nimble, and tech-driven financial services enterprise established on deep industry expertise and reliable delivery of long-term value through empowering its customers, employees, and communities.
Leveraging its record of building successful businesses and strong operating fundamentals, Group 1001 powers the next generation of insurance businesses with useful and intuitive solutions and products accessible to everyone. Group 1001 invests in strategic partnerships as part of its mission to transform communities through sports and education.
PO Box 80509 Indianapolis, IN 46280
800.767.7749
ClearSpringLife.com
We can help you create financial flexibility now and for the future.
14 ViStar ® Fixed Index Annuity
15 Clear Spring Life and Annuity Company
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