Fixed index annuity review and rates

Flex Accumulator

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% Fixed
2-Year Morgan Stanley Dynamic Rotator PTP Participation Rate with Spread
Point to Point
Biennial
165% Participation
1-Year Morgan Stanley Dynamic Rotator PTP Participation Rate with Spread
Point to Point
Annual
85% Participation
2-Year Morgan Stanley Dynamic Rotator PTP Participation Rate with Spread
Point to Point
Biennial
140% Participation
1-Year S&P 500 PTP Participation Rate with Spread
Point to Point
Annual
40% Participation
3% Spread
1-Year S&P 500 PTP Participation Rate with Spread
Point to Point
Annual
30% Participation
3% Spread
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.5% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.35% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
3% Cap
2-Year Barclays Trailblazer Sectors 5 PTP Participation Rate with Spread
Point to Point
Biennial
245% Participation
2-Year Barclays Trailblazer Sectors 5 PTP Participation Rate with Spread
Point to Point
Biennial
215% Participation

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 None
Enhanced Death Benefit rider (ages 70+) Yes None
Fidelity & Guaranty Life Insurance Company
Founded: 1959
A.M. Best: A-
Fitch: A-
S&P: A-
Moody's: Baa1
Carrier details
Free withdrawal
10%
Surrender schedule
10 years
Return of premium
Market value adjustment
Minimum contribution
$10,000
Types of funds
Non-Qualified, 401k, IRA, IRA Rollover, 1035 Exchange, Inherited IRA, NQ Stretch, and TSP