Historical life index crediting
rates and performance

Explore our consistent track record

Looking back in time, F&G has a consistent record of offering competitive, diverse indexed crediting options, holding life insurance rates steady and making good on the promise our products represent.

While past performance does not guarantee future results, this site can help you explore historical rates and product performance across our portfolio of fixed indexed universal life (FIUL) insurance offerings.

Choose a product, index and crediting method, and see how each has performed from launch until today.


Always review the full NAIC compliant policy illustration provided by your financial professional for full details, including all guaranteed values. Results represent historical returns for the selected index/crediting method combination on the product shown. It assumes a single premium with segments beginning on the 15th day of each month. It is not an indication of the policy's past or future performance. This data includes non-guaranteed values. Results do not include potential surrender charges that would apply for excess withdrawals during the first 15 years of a policy. Even though contract values may be affected by the external performance of the selected index, 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. Guarantees are based on the claims paying ability of the issuing insurer, Fidelity & Guaranty Life Insurance Company, Des Moines, IA.

The starting point for calculating a segment’s index change. The date that the premium is allocated into the reference index. For annual point-to-point strategies, the end date will be one year later. For Monthly Point-to-Point strategies, the end date will be one month later.

The index value at the start date of a segment.

The index value at the end date of a segment.

Percentage change in the index over the beginning to ending point. Calculated by the following:

  • (Ending Reference Index Value minus Beginning Reference Index Value) divided by Beginning Reference Index Value
  • Please note: For Monthly Point-to-Point strategies, this column shows the sum of the monthly index changes over a one-year period.
The participation rate offered at each point in time. This value is multiplied to the Index Return Rate to determine the Interest Credits (see Interest Credits definition for more detail).
The cap rate offered at each point in time. This value limits the upside of the Reference Index Return Rate Value in determining the Interest Credits (see Interest Credits definition for more detail).
The spread rate offered at each point in time. This rate is subtracted from any positive change in Index Return Rate prior to applying the Participation Rate and Cap Rate.

This includes indexed interest credits for a given year in addition to any guaranteed minimum interest (credited daily). It does not include any bonuses, if available.