Here are some of the reasons why our members love our products.
Financial stability: Historically, our rates have remained steady at application rate (and have even gone up). You can feel confident that no matter the economic situation, your retirement savings is guaranteed to earn no less than a minimum of 2.00% APY each year.
Fraternal Benefit Package gives our members ultimate flexibility to their money. This (free) benefit waives the declining penalty (surrender charge) in case of serious illness, nursing home confinement, or other catastrophic event. In addition, CLC will waive these surrender charges for significant medical expenditures for both annuitant and spouse.
100% of your money earns interest
No sales charges, no service fees, no yearly maintenance fees
No start-up fees, no membership fees, no backend loads
CLC allows for 15% annual penalty-free withdrawal after the 1st year (many companies only offer between 5-10%)