You can choose from several options for earning interest on your account value: one fixed interest option and additional options tied to market indexes. All the options have a guaranteed minimum rate.
You will enjoy tax benefits, such as tax-deferred growth potential on your account; insurance benefits, that are, generally speaking, not subject to income tax; and some tax-advantaged access to your surrender value.
You may withdraw money at any time after year one. These withdrawals may be subject to surrender charges.
You may borrow money — any number of loans may be taken from a positive surrender value.
You may customize your life insurance policy with optional benefits, such as accelerated benefits for critical, terminal or chronic illness.
You have a choice of death benefit options — the face amount of your policy, or the face amount plus your account value. Death benefits may be taken as a lump sum or periodic payments.
You may adjust the death benefits.
Loyalty is rewarded with a Persistency Bonus in policy years 11+.
Click to read important disclosures
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 life insurance policies. 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.