Fixed index annuity review and rates

Power Accumulator 10

F&G Power Accumulator 10 is a Flexible Premium Fixed Indexed Deferred Annuity.
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
3.5% Fixed
1-Year Balanced Asset 5 PTP Participation Rate
Point to Point
Annual
175% Participation
1-Year Balanced Asset 5 PTP Participation Rate
Point to Point
Annual
240% Participation
2-Year Balanced Asset 5 PTP Participation Rate with Spread
Point to Point
Biennial
255% Participation
2-Year Balanced Asset 5 PTP Participation Rate
Point to Point
Biennial
305% Participation
2-Year Balanced Asset 10 PTP Participation Rate with Spread
Point to Point
Biennial
185% Participation
5% Spread
2-Year iShares US Real Estate PTP Participation Rate with Spread
Point to Point
Biennial
75% Participation
5% Spread
2-Year iShares Core S&P 500 PTP Participation Rate with Spread
Point to Point
Biennial
65% Participation
5% Spread
1-Year iShares Gold Trust PTP Participation Rate
Point to Point
Annual
45% Participation
2-Year iShares MSCI EAFE PTP Participation Rate with Spread
Point to Point
Biennial
90% Participation
5% Spread
1-Year iShares MSCI EAFE PTP Participation Rate
Point to Point
Annual
50% Participation
1-Year iShares Core S&P 500 PTP Participation Rate
Point to Point
Annual
40% Participation
1-Year iShares US Real Estate PTP Participation Rate
Point to Point
Annual
45% Participation
1-Year Balanced Asset 10 PTP Participation Rate
Point to Point
Annual
90% 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%
Fidelity & Guaranty Life Insurance Company
Founded: 1959
A.M. Best: A-
Fitch: A-
S&P: A-
Moody's: Baa1
Carrier details
Free withdrawal
1st year: 0%
2nd+ year: 10%
Surrender schedule
10 years
Return of premium
Market value adjustment
Minimum contribution
$10,000
Types of funds
Non-Qualified, IRA, IRA Rollover, TSA 403b, SEP IRA, IRA-Roth, 1035 Exchange, Inherited IRA, NQ Stretch, and TSP