A A unique structure that tracks two values: your Benefit Base (used to calculate a future guaranteed income stream; not an amount that may be surrendered or withdrawn) and your account value (available for withdrawals).
We give you a bonus to your account. It is added immediately to your Benefit Base and vests over 12 years in your account value.
You can choose from several options for earning interest on your Benefit Base; one fixed interest option (with a guaranteed rate) and additional options tied to a market index.
Your account value grows with a rate of interest that F&G guarantees at the outset of each contract year. A standout Breakthrough feature gives you potential for greater growth of your account value in the long term.
Any growth of your savings is tax-deferred (you pay taxes only when you make withdrawals or receive income in the future).
You have the option of guaranteed income for life.
You’ll have full access to your account value for unexpected health care costs, namely qualifying home health or nursing home care, or in the event of terminal illness. This benefit applies to conditions that arise one year or more after the contract begins.
From day one you have death benefits for peace of mind.
You may withdraw your money at any time. Withdrawals in year one, or withdrawals in year 2-12 of over 10% of your vested account value, will incur withdrawal charges.
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Subject to state availability. Certain restrictions may apply. Contracts issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA. Fidelity & Guaranty Life Insurance Company offers a diverse portfolio of fixed and indexed interest annuities and optional additional features. Before purchasing, consider your financial situation and alternatives available to you. Your F&G financial professional can help you determine the most suitable alternative for your goals and needs. Optional provisions and riders may have limitations, restrictions and additional charges.
The "S&P 500 Index" is a product of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates (“SPDJI”) and has been licensed for use by Fidelity & Guaranty Life Insurance Company. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC, a division of S&P Global (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); These trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Fidelity & Guaranty Life Insurance Company. These Annuity products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.
It is important to note that when the declared participation rate is greater than 100% and the index change percentage at the end of the index term period is 0 or negative, no index interest credits will be applied to the account value. Please see the Statement of Understanding for a detailed explanation.