FG Life-Elite® Life Insurance | F&G Life Insurance

FG Life-Elite®

Fixed Indexed Universal Life Insurance

  • Tax deferred growth of account values, and the possible tax advantaged access to account values
  • Ability to earn interest based on the performance of the S&P 500 Index, subject to a cap and the Barclays Trailblazer Sectors 5 Index, subject to a spread
  • Select between two death benefit options. You may also switch the death benefit option in the future based on your changing needs
FG Life-Elite

Core features of FG-Life-Elite life insurance

You can choose from several options for earning interest on your account value: one fixed interest option (with a guaranteed rate) and additional options tied to market indexes.

You will enjoy tax benefits such as tax-deferred growth potential on your account, insurance benefits which 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 or terminal 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 on.

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 Fidelity & Guaranty Life Insurance Company financial professional can help you determine the best alternatives 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 Life Insurance 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.

Barclays Bank PLC and its affiliates (“Barclays”) is not the issuer or producer of Fixed Indexed Universal Life Insurance and Barclays has no responsibilities, obligations or duties to contract owners of Fixed Indexed Universal Life Insurance. The Index is a trademark owned by Barclays Bank PLC and licensed for use by Fidelity & Guaranty Life Insurance Company as the Issuer of Fixed Indexed Universal Life Insurance. Additionally, Fidelity & Guaranty Life Insurance Company as Issuer of Fixed Indexed Universal Life Insurance may for itself execute transaction(s) with Barclays in or relating to the Index in connection with Fixed Indexed Universal Life Insurance. Contract owners acquire Fixed Indexed Universal Life Insurance from Fidelity & Guaranty Life Insurance Company and contract owners neither acquire any interest in Index nor enter into any relationship of any kind whatsoever with Barclays upon making an investment in Fixed Indexed Universal Life Insurance. Fixed Indexed Universal Life Insurance is not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of Fixed Indexed Universal Life Insurance or use of the Index or any data included therein. Barclays shall not be liable in any way to the Issuer, contract owners or to other third parties in respect of the use or accuracy of the Index or any data included therein.
For more information about Barclays Trailblazer Sectors 5 index see trailblazer.barclays.com

Even though contract values may be affected by external indexes, the life insurance contract is not an investment in the stock market and does not participate in any stock, bond, or equity investments. Indexed growth rates are subject to caps, participation rates and/or spreads, which may change at the discretion of Fidelity & Guaranty Life Insurance Company.

Learn more

Download our product brochures to learn more about FG Life-Elite.


FG Life-Elite


FG Life-Elite

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