Choice Accumulation II 10 Rate & Reviews

Choice Accumulation II 10

With a Choice Accumulation fixed index annuity, your contract value has the ability to grow. Initially, your contract value equals the amount of your Choice Accumulation purchase. For example, if you bought a $100,000 Choice Accumulation annuity, your initial contract value would be $100,000. But over time, your contract value may grow through one of many interest crediting strategies, including:

During any period in which Forethought has a renewal credited rate for any strategy available for reallocation on that contract that is less favorable than the bailout rate, withdrawal charges and MVA are waived for any withdrawals during that period.
A withdrawal charge and Market Value Adjustments (MVA) may be incurred if you withdraw all or a portion of your money during the withdrawal charge period. FIA1307 3 Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assume compliance with the product’s benefit rules, as applicable.
A strategy for steady growth: Choice Accumulation’s fixed crediting strategy can help you grow your contract value at a competitive annual fixed rate.
Strategies for more growth potential: There are also a variety of other choices where the interest your contract value may earn is linked to the performance of an index, such as the S&P 500®.

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	3.7% Fixed
1-Year MSCI EAFE PTP Cap	Point to Point Annual	9.25% Cap
1-Year Russell 2000 PTP Cap	Point to Point Annual	9.25% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	9.25% Cap
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	1.2% Cap
1-Year PIMCO Balanced PTP Participation Rate	Point to Point Annual	190% Participation
2-Year BlackRock Diversa Volatility Control PTP Spread	Point to Point Biennial
2-Year Franklin US PTP Spread	Point to Point Biennial
1-Year S&P 500 Performance Trigger	Performance Triggered Annual	7% Performance triggered
1-Year Fixed Account	Fixed	3.85% Fixed
2-Year Franklin US PTP Spread	Point to Point Biennial
2-Year BlackRock Diversa Volatility Control PTP Spread	Point to Point Biennial
1-Year PIMCO Balanced PTP Participation Rate	Point to Point Annual	200% Participation
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	1.25% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	10% Cap
1-Year Russell 2000 PTP Cap	Point to Point Annual	10% Cap
1-Year MSCI EAFE PTP Cap	Point to Point Annual	10% Cap
1-Year S&P 500 Performance Trigger	Performance Triggered Annual	7.75% Performance triggered

Surrender schedule

Year	1	2	3	4	5	6	7	8	9	10
Penalty	9%	9%	8%	7%	6%	5%	4%	3%	2%	1%

Riders

Name	Inbuilt	Fee
GA Enhanced Death Benefit	No	0.50% annually