Fidelity & Guaranty Life Insurance Company

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Accelerator Plus 10

Accelerator Plus 10 is a reliable annuity choice offering peace of mind for your retirement years. With a competitive interest rate and 10-year accumulation phase, it's a smart selection for a secure future.

This annuity stands out with its excellent flexibility options and dependable payout. With Accelerator Plus 10, it's easier to navigate your golden years with confidence. Cheers to a well-deserved, worry-free retirement!

Accelerator Plus 10

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Investment

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Retire At

About Product

Type

Fixed Index

Purpose

Lifetime Income

Premium Bonus

11%

Term

10 Years

Surrender schedule

14%

13%

12%

11%

10%

Fee withdrawal:

10%

Flexible premium

Product Life

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$10,000

Maximum Contribution

$2,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, Traditional IRA, IRA Rollover, IRA Transfer, TSA 403b, IRA-Roth, Inherited IRA, TSP, and Roth Conversion (Full)

Launch Date

02/21/2018

The FG Accelerator Plus 10 is a flexible premium deferred annuity with a 10-year surrender charge period offering multiple index options and one fixed interest rate option. It is designed to be a long-term retirement savings tool with a variety of options to help you achieve the standard of living you want during your retirement.

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 CIBC Balanced Asset 5 PTP Participation Rate with Charge	Point to Point Annual	245% Participation
2-Year BlackRock Market Advantage PTP Participation Rate with Spread	Point to Point Biennial	205% Participation
1-Year BlackRock Market Advantage PTP Participation Rate	Point to Point Annual	145% Participation
2-Year GS Global Factor PTP Participation Rate with Charge	Point to Point Biennial	325% Participation
2-Year GS Global Factor PTP Participation Rate with Spread	Point to Point Biennial	285% Participation
1-Year GS Global Factor PTP Participation Rate with Charge	Point to Point Annual	250% Participation
1-Year GS Global Factor PTP Participation Rate	Point to Point Annual	195% Participation
2-Year CIBC Balanced Asset 10 PTP Participation Rate with Spread with Charge	Point to Point Biennial	235% Participation 5% Spread
2-Year CIBC Balanced Asset 10 PTP Participation Rate with Spread	Point to Point Biennial	205% Participation 5% Spread
1-Year CIBC Balanced Asset 10 PTP Participation Rate with Spread	Point to Point Annual	185% Participation 5.5% Spread
1-Year CIBC Balanced Asset 10 PTP Participation Rate	Point to Point Annual	100% Participation
2-Year CIBC Balanced Asset 5 PTP Participation Rate with Spread	Point to Point Biennial	275% Participation
1-Year CIBC Balanced Asset 5 PTP Participation Rate with Spread	Point to Point Annual	190% Participation
2-Year CIBC Balanced Asset 5 PTP Participation Rate with Charge	Point to Point Biennial	315% Participation
2-Year Barclays Trailblazer Sectors 5 PTP Participation Rate with Spread	Point to Point Biennial	260% Participation
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	2.75% Cap
1-Year S&P 500 PTP Monthly Sum Cap with Charge	Point to Point Annual Monthly sum	3.5% Cap
1-Year S&P 500 PTP Cap with Charge	Point to Point Annual	12% Cap
2-Year Barclays Trailblazer Sectors 5 PTP Participation Rate with Spread with Charge	Point to Point Biennial	295% Participation
1-Year S&P 500 PTP Participation Rate with Charge	Point to Point Annual	55% Participation
1-Year S&P 500 Performance Trigger	Performance Triggered Annual	6% Performance triggered
1-Year S&P 500 Performance Trigger with Charge	Performance Triggered Annual	7.75% Performance triggered
2-Year Morgan Stanley US Equity Allocator PTP Participation Rate with Spread with Charge	Point to Point Biennial	140% Participation
2-Year Morgan Stanley US Equity Allocator PTP Participation Rate with Spread	Point to Point Biennial	125% Participation
1-Year Morgan Stanley US Equity Allocator PTP Participation Rate with Spread with Charge	Point to Point Annual	110% Participation
1-Year Morgan Stanley US Equity Allocator PTP Participation Rate with Spread	Point to Point Annual	85% Participation

Surrender schedule

Year	1	2	3	4	5	6	7	8	9	10
Penalty	14%	13%	12%	11%	10%	8%	6%	4%	2%	1%

Riders

Name	Inbuilt	Fee
FG Accelerator Plus 10 EGMWB	Yes	0.95% annually
FG Accelerator 10 Plus GMWB (HI, IL)	Yes	0.95% annually
FG Accelerator Plus 10 EGMWB (AK, AL, ID, IN, MN, MS, MT, OR, PA, WA)	Yes	0.95% annually
FG Accelerator Plus 10 EGMWB (CT, VT)	Yes	0.95% annually

Waivers

Nursing Home

Unavailable in states: MA

Nursing Home Care (in a licensed nursing home) • Confinement must begin at least 1 year after contract effective date (In AK, AL, ID, MN, MS, MT, OR, PA or WA, care or confinement must begin after the contract effective date.) • Must be confined to nursing home for at least 60 days

Terminal Illness

Diagnosis must be made at least 1 year after contract effective date and certified by licensed physician. Life expectancy must be less than 1 year.

ADL

Unavailable in states: MA

Home Health Care (provided by licensed home health care provider) • Care must begin at least 1 year after contract effective date (In AK, AL, ID, MN, MS, MT, OR, PA or WA, care or confinement must begin after the contract effective date. ) • Must be unable to perform at least 2 of 6 activities of daily living (for at least 60 days and expected to continue for at least 90 days after requesting withdrawal)

RMD

The product includes Penalty-Free Withdrawal Provisions for RMD.

Premium Notes

Eligible ages
Non-qualified: 0-85
Qualified: 18-85
Indiana Max Age is 80
If a joint owner, eligibility is based on an older owner’s age.

Initial Premium and Transfers

The minimum initial premium is min Premium. If your client chooses to reallocate the account value between options on an annuity anniversary, at least $2,000 must remain in each option.

Flexible Premium
Any additional premium will be placed initially into the fixed interest option. On the annuity anniversary, the client may reallocate any portion of the account value between any of the options.
Any additional premium (the amount of money you may at any time and as often as you want until the Maturity Date) must be at least $2,000 and may not exceed $2,000,000.
The minimum Allocation to any account is $2,000 per contract year.

Withdrawal Provisions

Death benefit Prior withdrawals reduce benefit amounts. Interest rates are subject to change. Partial index credit, if applicable, paid up to the date of death. Paid as a lump sum, greatest of: Account value, including the total vesting bonus, even if not fully vested;Minimum guaranteed surrender value.Free Withdrawals You’ll have penalty-free access to 10% of the vested account value in years 2-10. Any other withdrawals will incur surrender charges and MVA.

Company Founded: 1959

Excellent Rated Company

Fidelity & Guaranty Life Insurance Company

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