Flex Accumulator
In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.
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F&G Flex Accumulator is a fixed indexed annuity offering enhanced legacy, increased liquidity and strong accumulation potential.
Available in states:
AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
3.75%
Fixed
|
| 1-Year S&P 500 PTP Participation Rate with Spread |
Point to Point
Annual
|
55%
Participation
3%
Spread
|
| 1-Year S&P 500 PTP Participation Rate with Spread |
Point to Point
Annual
|
45%
Participation
3%
Spread
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
8.75%
Cap
|
| 1-Year S&P 500 PTP Monthly Sum Cap |
Point to Point
Annual
Monthly sum
|
2.5%
Cap
|
| 1-Year S&P 500 PTP Monthly Sum Cap |
Point to Point
Annual
Monthly sum
|
3.35%
Cap
|
| 2-Year Barclays Trailblazer Sectors 5 PTP Participation Rate with Spread |
Point to Point
Biennial
|
315%
Participation
|
| 2-Year Barclays Trailblazer Sectors 5 PTP Participation Rate with Spread |
Point to Point
Biennial
|
275%
Participation
|
| 2-Year BlackRock Market Advantage PTP Participation Rate with Spread |
Point to Point
Biennial
|
215%
Participation
|
| 2-Year BlackRock Market Advantage PTP Participation Rate |
Point to Point
Biennial
|
245%
Participation
|
| 1-Year CIBC Balanced Asset 10 PTP Participation Rate |
Point to Point
Annual
|
105%
Participation
|
| 2-Year CIBC Balanced Asset 10 PTP Participation Rate with Spread |
Point to Point
Biennial
|
205%
Participation
4%
Spread
|
| 2-Year CIBC Balanced Asset 10 PTP Participation Rate with Spread |
Point to Point
Biennial
|
235%
Participation
4%
Spread
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Penalty | 12% | 11% | 10% | 9% | 8% | 7% | 6% | 5% | 4% | 3% |
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| Enhanced Death Benefit rider (ages 0-69) | Yes | |
| Enhanced Death Benefit rider (ages 70+) | Yes |